BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
The State of California chose to contract Money Network to process the Middle Class Tax Refund. I received a prepaid card from Money Network, without a security chip. I was only able to withdraw a limited amount as per their daily withdrawal limit ( {$400.00} ). When attempting to make a second withdrawal of the remaining balance, the card prompted an error message at the ATM. I called Money Network to inquire about the error message. I was told that funds were stolen from my account. 

I went through the process of initiating a dispute to recover the funds. I requested written confirmation of the event for my records. Money Network refused to provide written proof of the stolen funds. I was told that Money Network would not provide written communications about the event. I was told to wait for the dispute process to resolve and I would receive a check in the amount of the balance. Several weeks passed without any communication or check from Money Network. 

I took it upon myself to call Money Network for an update on the case. I was told that the dispute was successful and that funds were returned to the account balance. I asked when I would be receiving the check. The individual informed me that it would take between XXXX to XXXX business days. I asked when the dispute resolution decision was made. It turns out that the decision was made on XX/XX/2023 - three weeks ago and Money Network provided XXXX communication. I was told that a check would only be issued on the balance if requested by the account holder.

Money Network recklessly issued prepaid cards without the advertised safety feature of a chip, making Middle Class Tax Refund customer funds vulnerable to theft and fraud.

Money Network has been minimally if at all cooperative in communicating in the dispute process. Money Network stonewalls in respect to communication and in respect to making funds rightfully belonging to customers accessible to said customer. I was only issued a check when I took it upon myself to be proactive in calling in for a status update on the status of the dispute. Had I not done so, Money Network would have indefinitely held onto my funds. 

From the daily card withdrawal limit, to only offering fee free withdrawals at their unsafe partner ATMs, to issuing cards without safety features, Money Network has been irresponsible at every turn, looking out only for themselves, even creating the environment in which customer funds were made vulnerable to theft -- making customer funds ripe for the picking for any scammer to use a skimmer on the unsecure chipless Money Network cards at one of Money Network 's unsafe partner ATMs or on the dark web.

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 2021-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Affirm Holdings, Inc
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I used the company Affirm to pay for some purchases I made. I was making my payments on time until they locked me out of the account because of an unauthorized user! I contacted them before any payments were late trying to pay over the phone they cant take payments because they cant access it either! This started in XXXX they caused me to become past due and have trapped me into a past due status. How can they look me out of my account not take money over the phone cause me to be late on payments and not fix it! Affirm literally is reporting me past due when they wont allow me to pay and to this date I am still locked out. There customer service reps tell me over and over they are fixing it yet they reported fraudulent information stating I am past due. I contacted this company before any payments were late begging them to fix it but yet I get no where. I want this fixed this caused my credit score to drop XXXX points. No one is helping me and this company is being allowed to report fraudulent incorrect information please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: OH
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:
The following accounts listed in this report are not mine. I have never done any business with or heard of this company. XXXX XXXX or the medical account listen on my credit report. I have tried to resolve this with the credit bureaus. I demand immediate removal and accounts blocked from both of these accounts from ever reporting in the future or being sold to any other illegal third party. Also, the law states any medical debt reporting is a hippa violation and must be removed. I'm a victim of identity theft my personal information was stolen due to the Equifax and XXXX data breach as well as the XXXX. My information was also found on dark web names listed on my report and address, not mine. Failure to comply and remove these accounts will result in a lawsuit and XXXX per violation. I demand the removal of these accounts immediately as the law states all information must report accurately and truthfully. This is defamation of my character and has caused my score to drop demand removal and blockage. 
remove these accounts immediately. 
I have also attached an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was trying 15 day free-trial home internet with XXXX on XX/XX/XXXX. I cancel the internet due to their internet not compatible with my work environment and return their equipment on XX/XX/XXXX, which is within 15 days. After a month, I received bill from XXXX for unpaid bill. I was verifying on XXXX XXXX official account, and I was told that it should clear within 1 or 2 cycles. However, XXXX kept sending me bills for 2 more cycles with additional late fee every time. I went in store and talked with the staff there on XX/XX/XXXX, he said I need to paid {$25.00} upfront and they'll refund me later time. So I paid {$25.00} and they said late fee should be waived as well. Note at this time it is still within due day of latest bill I received with 2 times of late fee. 

However, a debt collection letter was sent to me from Convergent Outsourcing on XX/XX/XXXX, which is before the billing due date of amount of {$39.00}. And I receive the letter at a much later date. To me this is unethical practice to send their bill to debt collector before billing due date. And they did assure me everything should clear from my account multiple times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: John C. Heath, Attorney at Law, PLLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Good afternoon, I was contacted by cell phone by a representative from Lexington Law Firm in XXXX of this year regarding financial advice in helping to resolve consumer debt. I agreed verbally at the time to sign up for a five day free trial of their services, but contacted the representative immediately after having performed an internet serach of said law firm, having discovered that they have a terrible on-line reputation, according to their customers. I immediately called the representative and clearly stated that he was to cancel this subscription during the trial period, because I discovered their ill-reputed reputation online. He agreed. On XX/XX/XXXX of this year, I discovered that Lexington Law Firm made a compleletly unauthorized draft in the amount of {$160.00} from my checking account at XXXX XXXX XXXX. I made telephone contact with them, and after having spent an hour trying to convince a paralegal ( who is not registrered as such by the state of Utah ) to transfer me to a supervisor, which he did. XXXX XXXX, with LL, sent me an email confirmation of the refund, which I have uploaded to my complaint. The refund was promised as was written, by today, XX/XX/2023. I have not received the refund. I was able to contact several " supervisors '' at this firm today and reached XXXX XXXX, who admitted that the refund had not been processed but would do so XX/XX/2023, which would take another 3-5 days to process. I feel lied to by XXXX XXXX, and am wary that the putative refund to be processed today will ever appear in my checking account. I was treated very rudely by earlier personnel with whom I spoke, who insisted I was a " member '' despite my refusing the subscription in time and blew me off during he conversation. I was finally able to contact another supervisor and am attaching her email response as well. Tomorrow, if the funds aren't in my account, I intend to file a dispute with my credit union. I have already filed a complaint with the state of Utah Consumer Protection Division. What concerns me the most about my experience with this outfit is XXXX ) A pending lawsuit accusing them of violating the Telemarketing Sales Rule, which bans upfront fees for credit repairing services before any services have been delivered. XXXX ) A promise to have made a refund of money by today 's date, XX/XX/2023, which has not occurred. XXXX ) People claiming they are paralegals who aren't even licensed by the state of Utah. Because this promised refund did not appear, and I doubt what was promised to me today will ever happen as I have lost all trust with this outfit. I and my credit union plan to take legal action against Lexington Law including possible criminal charges if they are not going to honor the promised refund by the end of the business day today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Mr. Cooper Group Inc.
State: IL
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:
On XX/XX/XXXX, I called Mr. Cooper as the result of receiving an offer letter to improve my current mortgage rates or seek equity credit. During the call, I spoke to a XXXX XXXX, XXXX ( the last name not given ). XXXX assured me he would only do a " soft '' inquiry and I specifically said I did not want any hard inquiries on my credit report. He researched what he could do for me, lowering my mortgage payments, line of equity and we concluded there was no offer I could take advantage of at this time, so we hung up. Two hours later my credit monitoring service reported a " hard inquiry '' hit XXXX   and then XXXX. I confirmed by logging into XXXX and XXXX. The hard inquiries also hit my wife 's ( XXXX ) credit report. I immediately called Mr. Cooper back to speak to XXXX, they transferred me to his extension where I left a message reporting my complaint about the hard inquiry and requested it be removed. I called XXXX 's direct line ( XXXX ) again on XX/XX/XXXX stating the same complaint and request to remove. On XX/XX/XXXX, I called Mr. Cooper and filed a complaint with their customer support department. The hard inquiry is still on my credit report and I have not heard back from Mr. Cooper or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
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:
remove all accounts that dont belong to me immediately under The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for a TD bank acccount. I signed for a checking account and a savings account. there was a {$200.00} promotion for each account equaling {$400.00} dollars. I was told i met the promotion requirements but i have not received the funds due to the fact that due to " system outage '' that was XX/XX/2023. I was told to wait two to three weeks and now i am still being told there is a system outage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: IL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-24
Company: EQUIFAX, INC.
State: IL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


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 2021-09-02
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XX/XX/2021 someone ran my credit from Citibank Na, XXXX XXXX XXXX XXXX XXXX. Im not sure if they opened a credit card or not Im just trying to get ahead of it. My XXXX account was hacked and they stole all my information now I cant even call out or text message anyone on my phone. They took my social security number, address, name, DOB and bank info.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address that associated to my credit report are incorrect

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 2022-12-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 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 finish an account without writing Instructions from the consumer.

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 items 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.

I demand the above-mentioned accounts be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made the mistake of co-signing a Sallie Mae student loan with my Grandson. After a miserable year of dealing with them, the loan was paid in full. 

Apparently, my granddaughter has a loan with them and my wife and I ( both in our XXXX 's ) are in no way involved with that loan. Sallie Mae has called both me and my Wife about contacting my Daughter and Granddaughter about the loan. 

If the calls are not in violation of law, they are a form of harassment and a collection practice that should not be permitted. I will not be involved in the collection of any loans that I am not a party to. Secondly, we are both on the National Do Not Call list and it seems as if these calls are a violation of that Federal Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: MI
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: SLM CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a savings account with XXXX XXXX Bank aka " XXXX ''. Today when I tried to log on, I received a message that my account was locked and a phone number to call. Upon calling that number, I was transferred to a " specialist '' by the name of XXXX ( employee number XXXX ) who informed me that my account was closed because my automatic contributions were being rejected by my checking account and further that I would not be able to log on to retrieve my statements, account number, or withdraw my existing balance of {$150.00}. When I asked for her supervisor, she told me that one was not available and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE OF XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$1800.00}

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