BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call every other day from multiple different numbers. They lie about not getting a payment that they sent me a receipt to. They are very rude when we are talking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2020-02-27
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:
I applied for XXXX XXXX today XX/XX/20 and I did not get approved because of some accounts with negative payment history on my credit report. I reviewed the accounts and I came to the conclusion that none of them belong to me. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I did not make any payments towards any of these accounts nor did I benefit anything such as money, goods, services or any other benefit as a result of these accounts that were opened on my behalf. I have already filed a police report as well as a complaint with the CFPB regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
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: Old information reappears or never goes away

Complaint:
Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened :  XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA. 

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened : XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA. 

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine: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 2021-09-13
Company: Collection Bureau of America Ltd.
State: MO
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 do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TRANSUNION IS CURRENTLY REPORTING AN ACCOUNT BY XXXX/ XXXX ON MY TRADELINES ; THE ACCOUNT IS CURRENTLY REPORTED PAST DUE AND CHARGED OFF. I CALLED XXXX AND SPOKE WITH XXXX WHO IS A SUPERVISOR WITH THE COMPANY ; I SPOKE WITH XXXX ON XX/XX/2020 AT XXXX IN REGARDS TO THIS ACCOUNT THAT TRANSUNION IS REPORTING. XXXX CONFIRMED WITH ME THAT XXXX/XXXX  CONTACTED THE CREDIT BUREAUS TO HAVE THIS ACCOUNT REMOVED FROM MY TRADELINES BECAUSE THE ACCOUNT HAS BEEN REPORTED WRONG. 
I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION ON SEVERAL OCCASIONS ; TRANSUNION ALWAYS STATE THAT THEY HAVE VERIFIED THE INFORMATION AS BEING REPORTED AS ACCURATE. THERE IS NO WAY THAT TRANSUNION COULD HAVE PROPERLY VERIFIED THIS INFORMATION ESPECIALLY SINCE XXXX  AND XXXX  IS NO LONGER REPORTING THIS ACCOUNT AS THEY HAVE MADE THE CORRECTION. TRANSUNION ALWAYS STATE THAT THEY VALIDATE AND VERIFY THE INFORMATION THAT THEY HAVE REPORTED. XXXX FROM THE COMPANY STATED THAT ALL OF THE CREDIT BUREAUS WERE NOTIFIED ON XX/XX/2020 INCUDING TRANSUNION AND SHE DOES NOT KNOW WHY TRANSUNION WON'T REMOVE THE ACCOUNT ; THESE CALLS WERE RECORDED AS WELL IN THE EVENT OF LITIGATION. 
TRANSUNION NEVER FAIRLY INVESTIGATE DISPUTES AND CONTINOUSLY REPORT INCORRECT INFORMATION ON THEIR REPORTS. I NEED LEGAL ASSISTANCE WITH TRANSUNION ESPECIALLY SINCE THEY ARE NOT FAIRLY INVESTIGATING OR REPORTING INFORMATION ; PLEASE INITIATE AN INVESTIGATION ON HOW TRANSUNION IS CONDUCTION THEIR DISPUTES.

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 2019-07-26
Company: LoanCare, LLC
State: MI
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:
I am in process of refinancing and while I was doing the process my XX/XX/2019 payment is showing 30 days late. The issue I am having is that I had send a payment over the electronic pay however it never had gone through. The company is stating they never recieved. I called since the XX/XX/XXXX and once found out that they never got the payment I made a double payment immediately. I tried to talk to them and figure this out, but they would not understand and told me that the only way is to go through a claim. They dont see any record however I have no way of proving anything. I been in contact with them multiple times hours at a time. They always tell me different stories and they even drop my calls and I would have to recall them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Dakota Financial, LLC
State: KY
Product: Credit reporting 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 fair reporting act XXXX XXXX XXXX has violated my rights.

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
In XXXX I took out a loan with Rapid Cash and paid half that debt. I was left with owing them {$270.00} which I didn't pay and it went into collections and has been on my credit for the last 2 years. I haven't had contact with Rapid Cash since XXXX. As of XX/XX/XXXX Rapid Cash forged a cashiers check in my name with my banking information and paid themselves {$270.00} without my authorization. I filled a fraud claim with my bank and they put a block on my account and are investigating it. I'm filling a police report too. I called Rapid Cash to get the person who illegally forged a check in my name, they were unable to give me that information. When I spoke to the lady who works at Rapid Cash she said they haven't been able to get ahold of me and are allowed to do that. Forging a cashier check without authorization on a 3 year old loan that has been on my credit for 2 years is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today, XX/XX/XXXX, while going thru my emails, I came across another email from a different loan company threatening to sue me. I never got a loan from this company either : CREDITOR : XXXX XXXX XXXX CASE NO : XXXX OUTSTANDING AMOUNT : {$840.00} Subject : Unpaid loan Invoice CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX LAW FIRM has decided to mark this case as a flat refusal and press legal charges against you. 
We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges. 
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. 
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2020-02-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a " free '' checking account with these crooks and they have ( without any disclosure mind you ) been taking {$5.00} out of my account each month. By the time I logged in and checked they had already stolen {$25.00}. Then I performed a standard ACH to get my money away from their dishonest hands and they charged a {$3.00} fee. This was not a wire or any other form of escalated activity. In fact it took them nearly a week to disperse the funds to my other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX  CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.

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 2020-02-27
Company: Experian Information Solutions Inc.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion to let them know I was a victim of their inquiry issue and they were unable to help me on the following inquiries. 

XXXX/XXXX  XXXX  XXXX XXXX/TXXXX XXXX XXXX XXXX XXXX XXXX, I 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 2017-07-06
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
It 's become ridiculous and long to open simple account with Peoples United Bank-XXXX XXXX XXXX XXXX location. With friendly service of employees at the bank we are__ : group of XXXX from XXXX unable to open simple checking account at this bank its sims Discrimination against foreigners .We came to the bank as of group of 10 people on XX/XX/XXXX ... .Bank request several documents to ensure that status in USA is legal and after that 4 (!!! ) weeks past and account still not open without explanation ... Total Discrimination ... Thanks for help. This is a address of this branch Peoples United Bank XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened a secured credit card with the Bank of America few years ago, deposited {$500.00} dollars. I was unhappy with the bank 's policy, terms and conditions, even though I had excellent payment activity. I asked to close my credit card account and mail me my full refund in the amount of {$500.00} dollars. The Bank of America failed to comply with my request, refused to close my account and illegaly held my security deposit, never issued a full refund. As the time went by, my account was not closed by the bank, moreover, theyr added up negative fees and falsely reported my account as negative/charge off since 2017. My credit history was seriously impacted by this negative and false reporting. My full refund is still past overdue and owed.

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 2019-07-26
Company: Affiliated Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX - XXXX sent my account to the collection agency ( AFFILIATED ACCEPTANCE CORPORATION ) due to an unacceptable error on their behalf. My son relocated to another one of their locations and a fee was accessed for some unknown reason. I've had several conversations with XXXX to no avail. Directly after said conversations, Affiliated Acceptance Corp placed this account on my credit report. To remedy the situation I agreed to pay Affiliated Acceptance Corp with the understanding they would remove the account from my Credit File. As of XX/XX/XXXX the account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They are trying to foreclose on my house, I am scared for my life. Please get to the bottom of why they are trying to foreclose on me. I paid the XX/XX/2019 payment, I have proof it's attached. They have nothing but retards hired and are trying to punish me for their retards faults. That was never an issue, I did not even ask about that, did i? Are YOU XXXX????. I have received multiple letters from them claiming they will foreclose. Why?????? could care less about a payment that I did make, find out why they are trying to kick me out of my house? I'm being discriminated against for being a minority single male. Please find out why I am being foreclosed on, once again I repeat find out why I am being foreclosed upon illegally. I will seek legal action after I receive this next response, because I know it will once again be less than satisfactory. 


see the attachment it shows where I paid the payment in full the next month. I had to cancel the check on them because, i made a {$250.00} extra principle payment, loan care XXXX  put it towards interest instead of towards principle. So I cancelled the check and made another one that did not have extra principle since they made it obvious they will be XXXX XXXX  and put it towards interest even tho I wrote " additional principle '' on the check. Loan care is punishing me because they don't know how to handle an escrow 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 explanation
Consumer complaint received 2020-02-27
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:
PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW 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 non-monetary relief