BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: RSVP Lending, LLC dba RSVP Loans
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I borrowed {$2000.00} during the XXXX XX/XX/2020, due to financial XXXX I was in XXXX XXXX of needing the loan or my family and myself wouldve been homeless. This Companys interest rate is ridiculous. The interest rate on the loan was 231.47 %. I ended up paying them {$7000.00} for a loan. Thats because I paid it off early. If I had continued to pay them through the end of the loan period. I wouldve paid them a total of {$9800.00} just to borrow {$2000.00}. This is highway robbery to consumers. They shouldnt be allowed to make this type of money off of poor people. Who are struggling trying to make ends meet. Some people dont have a choice or no where else to turn. Theyve taken advantage of hard working citizens. They shouldnt be allowed to operate as a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : states that a consumer reporting agency should Block and remove information in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 TO XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Date of Inquiry : 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
Consumer complaint received 2022-09-13
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( Transunion ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks 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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
request, through certified mail, validation of account/debt. to date no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: ENOVA INTERNATIONAL, 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: Account information incorrect

Complaint:
I had a load with Netcredit. I was overdue for XX/XX/XXXX installment by partial amount by {$220.00}. I paid that along with current installment for XX/XX/XXXX on on XX/XX/XXXX. In worst case i was 17 days overdue for {$220.00} as of XX/XX/XXXX. But Net credit immediately reported that as 30 days overdue for XX/XX/XXXX payment which is current month. I had 5 years and 10 months continuous streak zero missed payments in my credit report for 23 plus accounts with FICO credit score in upper Fair zone. With this falsified information the credit score went down to poor region. For my job scenario there is a background check going on. It failed as i had poor score ( Minimum they expect is fair ). I called netcredit and they ask me to send the credit report page. I sent the page for whatever they have reported. Then i called multiple times. They request for credit score page. I sent the experian extract for day before they report and day they reported which showed clearly the score went down because of them. I also called the customer support and confirmed they have all information to proceed with tier analysis. I also informed them the importance as this hurts my profession. after nearly 7 calls in 3 days when i called yesterday they said they are waiting for 90 plus page XXXX report ( full ). I don't know why they need it. Then i sent the full report both for the day before they reported and report for the say they reported with only their wrong information reported impacted. I was told i will get a response in one hour. When i called after a couple of hours later it is closed. When i called today morning first they mentioned it is different department working on that, they spoke to their manager and i will get a response before EOD. I sent a reminder in noon as i am desperate. When i called in evening they started again from zeroth call. They told it will take 7 days and all the 10 plus calls i made people provided me wrong information. When i asked how come some one says particularly i am running in minutes the representative says i am cursing them when i asked why it was misinformed. Then i asked can speak their manager i got blunt response they are not there. Literally the customer support specialist says it is your problem and not their liabilities. Worst thing is i paid nearly 35 installments for them and paid nearly more than 200 % of the principal. Never missed a payment by 30 days. And this is the response i get we report anything that is your problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in the process of purchasing a new car ; therefore, I have reached out to the credit bureaus, asking them to verify these accounts. I also asked if they can do an investigation on everything on my credit report. After doing there investigation they stated that and they did. The major credit bureaus stated that everything was reporting correctly which was not the case, therefore, I would like to know what method was used to verify my account because there are a lot of inconsistences with reporting dates, and dates which accounts were open on my credit report. How is this information accurate if its showing differently on my credit reports, shouldn't it be the same across the board? I was advised that my credit report show be accurate across the board and should not have any discrepancies, and there are several in my case. 

As a consumer ; I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 168i ( 7 ) method of verification -description of reinvestigation procedure.

According to the Fair Credit Act, 1. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX have violated my rights. 
XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) theses accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I got an American Express Gift card as a gift that was bought at target on XX/XX/XXXX to buy some groceries but the card has declined at all places Ive tried. I tried buying in XXXX, XXXX, and XXXX both online and in store with amounts lower than the balance in it, as well as XXXX exclusively online and at gas stations which I do know is listed as a place where it might decline. I tried adding the balance to my XXXX and XXXX to circumvent the restrictions but they declined there as well and when Ive called and checked the balance online they say the whole XXXX dollars are still there and I should try a different store that accepts American Express, but all these stores supposedly accept American Express and its frustrating how they wont tell me what stores I can use it in if those wont take it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a 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. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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
Consumer complaint received 2023-02-27
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:
I sent a letter on XXXX XXXX XXXX  to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX XXXX : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX CRED ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Creditor : ) XXXX Balance : {$75.00} XXXX  XXXX Balance : {$630.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 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 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 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 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 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 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 explanation
Consumer complaint received 2023-12-17
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX my father and I sent in a check in the mail for {$10000.00} to my MOHELA student loan as we are ready to pay it off in full. The check had my account info and a letter enclosed of what the check was for. The check was cashed on XX/XX/16. After calling MOHELA customer service XXXX times, being left on hold for XXXX hours daily, and submitting proof of the check being cashed customer service has not helped one bit in telling me why my money has not only not been applied to my account but it is lost in their system. MOHELA cashed my check and refuses to document that anywhere. Upon hours with unhelpful XXXX, we learned that MOHELA is marketing their new platform on their current platform and we apparently sent the check to their new XXXX XXXX XXXX though it was listed on their website to send checks to. MOHELA said they would submit a claim which could take XXXX business days but I am not sure this will go anywhere. There is no reason why MOHELA cant note to submit my payment to the correct XXXX XXXX XXXX few towns over or refund my payment. I am left paying more interest on this loan and XXXX negligence is causing mental and financial stress on my family as this loan should have been paid off by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation