BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it.

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 2021-06-05
Company: CARD Corporation
State: IL
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:
Will they havent put my money back on my card was being use some one took my information from my card n use it was a XXXX XXXX Card reader

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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: Public record information inaccurate

Complaint:
I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on Experian is XXXX, on XXXX  is XXXX, and on XXXX  XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.

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: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-03-23
Company: EQUIFAX, INC.
State: GA
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 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My debit card was not working properly at all XXXX2020 I also was unable to report a change of address over a period of 7 months- I have forwarded my mail, yet the most current statements are and have been missing for almost that amount of time. 

I called the agency who deals and has the exclusive business with the Department of Treasury ( Social Security ) XXXX and was treated as a complete XXXX after finally being able to reach a " human ''. The call was herrendous they succeeded only in infuriating me. XX/XX/2020 " Direct Express '' is immune from the XXXX since they have secured a government contract with the Dept. of Treasury. 

Ultimately I have been told I would be contacted by someone form US Direct Express by telephone as I was told there was NO OTHER WAY TO VERIFY WHO I WAS. 
I have not been called. 

I do not have access to my benefits. My card does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
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:
As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part 1075 Docket CFPB 2013 XXXX XXXX  XXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX, with XXXX XXXX opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans. 

The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards. 

The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property. 

The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: MoneyLion Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an unsolicited debit card from XXXX/MoneyLionin the mail on Saturday, XXXX. I found the company website and called the support number first thing Monday morning, to find details about how the account was opened and that it be closed. They refused to closet the account until I provided a signed affidavit to their fraud department. On XXXX, the fraud department emailed me requesting that I complete the affidavit and provide several pieces of personal info ( driver 's license, scanned social security card, proof of residency, etc ). They did not provide a secure way to upload these documents. I am currently waiting on more information from them, but am very uncomfortable with how this was handled so far. I provided my name, address, phone number, and last four of my SSN to the customer service rep when requesting that they close the account. They would not tell me what state it was opened in or if it was used. My incident number with them is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XX/XX/XXXX. 2021, I sent via certified mail, correspondence to XXXX XXXXXXXX XXXX. This included an affidavit, exhibits, and remedy demand. In the affidavit included a list of 9 violations that caused damage to me, including : 15 U.S. Code 1692b ( 2 ), violation, XXXX XXXX XXXX XXXX. 

15 U.S. Code 1692c ( a ), violation, taking up my time that could be used for work, to get details on alleged debt. 

15 U.S. Code 1692c ( b ), violation, causing me to increase XXXX XXXX in working harder to improve my credit report.

15 U.S. Code 1692d ( 2 ), violation, XXXX XXXX XXXX.

15 U.S. Code 1692d ( 4 ), violation, having to waste time creating a plan to deal with an alleged debt. 

15 U.S. Code 1692d, violation, causing me to spend necessary money to improve my credit situation. 

15 U.S. Code 1692e ( 2 ) ( A ), violation, XXXX XXXX  
15 U.S. Code 1692e ( 3 ), violation, XXXX XXXX

15 U.S. Code 1692e ( 12 ), violation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

See the attached for all details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to XXXX XXXX XXXX. 

Despite my efforts to address this matter directly with XXXX XXXX XXXX, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to XXXX XXXX XXXX, dated XX/XX/23, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 XXXX I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.

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 2019-03-09
Company: Experian Information Solutions Inc.
State: NC
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 checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 3 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 XXXX and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2022-05-17
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: Their investigation did not fix an error on your report

Complaint:
I mailed a certified letter XX/XX/XXXX to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balances they responded stating I was not specific with my dispute. XXXX XXXX account XXXX XXXX this is a charged off account which has an inaccurate balance amount also with a past due amount listed has also inaccurate Date of First Delinquency, Date of Last Payment and Payment History please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/XXXX Also the 3 credit bureau have different account numbers nothing matches I need these items to be removed asap none of the information the credit bureaus match

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 2019-03-09
Company: Regional Management Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I gave this company hand delivered letter stating not to call my work per the fair debit protection act. They refuse to honor this and they will contact family members asking them to get in touch with me. They will constantly call my home phone off and on all day sometimes back to back. They have come out to my home without noticed. I am harrass my them daily

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have XXXX as my student loan servicer. My loans were orginially under XXXX, but were transferred once I submit the public loan forgiveness employment form and was deemed eligible to enroll in the program. My loans were transferred on XX/XX/2018. I called them in XXXX to follow up on my payments that had been made under XXXX since the employment form clearly showed I made eligible payments. They told me it would take until XXXX to verify everything and credit it to my account. I called XX/XX/2018 and was told they could not release any status information. They said they were backlogged and it could take months. I then spoke with a supervisor who confirmed that they could not release any information, but to continue to make payments on faith that everything would be sorted out. I have never missed a payment, have automatic debit, and I can not get any information on what payments have qualified. They are very difficult to deal with and it is unacceptable that payments I made a year ago have not been credit to my account for the public service loan program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: BSI Financial Holdings, Inc.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We made the regular monthly payment in excess of the loan payoff online on XX/XX/2023. The funds were removed from our account on XX/XX/2023. BSI Financial has not applied the funds to our account as of XX/XX/2023, and is refusing to apply said funds. We called and spoke with a representative, that informed us that they will NOT apply our funds to the balance owed, and that we must submit a payoff request, and pay by Certified Check or Wire Transfer. Both of these methods will cause us to be subjected to additional costs, and in the case of a wire transfer, those are over half of the outstanding balance. As they accepted this payment, we do not have the additional funds to send at this time. 

Our account is now accruing late fees, as they have held our funds for over 2 weeks without applying them to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: AL
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a XXXX XXXX name XXXX and XXXX and XXXX from the XXXX XXXX  I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2023-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency is attempting to collect on a debt that was acquired when I was a child. The debt has been reported to my credit report. I have called and mailed the debt agency and original creditor and I all I receive is a list of transactions on a credit card. I was a child when this account was opened.

Company response to consumer: Closed with explanation