BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a rushcard and have been unable to access the money deposited on it. This is very difficult as I have no way to get the money and no way to borrow money. Groceries, rent and utilities are all due and I have nothing I can do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
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:
This company is in violation on many federal and state regulations. The amount was charged off and should know longer being showing on my credit, as it is past XXXX years. Of course, the negative collection was removed from my account due to the fact the credit bureau automatically dropped this after 7 years. The company comes back and makes a new charge off amount XXXX. Of course, I have not taking a new loan with company, but they are trying to destroy my credit by reporting inaccurate amounts and dates. I have asked for this debt to be verified to no avail. I have attached screenshots of the original debt.

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 2022-04-10
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: Information belongs to someone else

Complaint:
Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is a  XXXX   XXXX   XXXX  account on my credit report with a total balance of {$19000.00} that was opened on or around  XX/XX/2008   . When I was just  XXXX   years old , my birth mother coerced me into taking out this loan. I did not receive any money, goods, or services, nor did I benefit from the opening of this account. I hired an attorney to represent me for this account. After my attorney spoke with  XXXX ,  XXXX  determined that I was no longer liable for this account. I 've disputed this account on  XXXX  and  XXXX , and it was removed almost immediately. However, I 've disputed it on Equifax, and was not even notified of the results or anything that the investigation was complete, and the account is still outstanding on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched USAA statement showing Transactions card XXXX XX/XX/XXXX New Purchase ** I did Not Purchase or Authorize {$120.00} & {$210.00} total New Transactions Added to my account {$340.00}. see attatched FRAUD CLAIM DATED XX/XX/XXXX letter date XX/XX/XXXX {$210.00} FRAUD CLAIM DATED XX/XX/XXXX. letter date XX/XX/XXXX {$120.00} ( THE CREDIT WE DEPOSITED AT THE BEGINNING OF INVESTIGATION * HAVE BEEN REVERSED. ) now see attatched XX/XX/XXXX STATEMENT. ( There are NO USAA CREDITS DEPOSITED XX/XX/XXXX TO REVERSE. XX/XX/XXXX ONLY MERCHANTS CREDITS CREDITED XX/XX/XXXX. ) ****USAA STEALS MERCHANTS CREDITS OF XX/XX/XXXX, & XX/XX/XXXX {$340.00}. ON XX/XX/XXXX. *** HOLDING CONSUMER LIABLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Conn's, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a Conns account on my collections. I made a payment to settle the account in XXXX. The company sent me letters confirming. I made a dispute and neither Conns nor XXXX will fix the error on my report. 

They are also not reporting the correct amiunts for my student loans. They randomly grabbed a number out of thin air. 

Neither account will change. 
Also EVERY couple of day Conns put a new remark on my account after the last payment was made. Months after that payment was made to be exact. This made my credit drop like 100 points even after the last payment was made. They updated my account with wrong information Every 2 to 3 days for months. I also made payments three months prior to the last payment for the full settlement. This included two payments in XXXX. I sent all documents confirming that to all three : XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ENCORE CAPITAL GROUP INC.
State: NC
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:
XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Experian Information Solutions 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:
Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.

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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : 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 In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2020-03-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/19 I opened a account, I was offered a {$650.00} bonus offer making deposits totaling {$3000.00} for 6 months I was to get {$650.00}. I have yet to receive the offer outlined by Wells Fargo Bank. I opened a executive case # XXXX no response from wells fargo. I completed the requirement in addition have a transfer to savings of {$1.00} or more.

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 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been denied a loan modification for the third time despite meeting all the guidelines. XXXX XXXX XXXX blames the Investor Deutsche Bank National Trust Company as Trustee on behalf of XXXX XXXX XXXX XXXX Mortgage. This Investor gave a sub prime mortgage and continues to be predatory in regards to how every six months our monthly payments doubles. In XXXX 2016 our payment increased by {$1000.00}. and in XXXX the payment doubles. This Investor gave us a four year trial modification which we paid on time for XXXX. This investor has refused to modified the loan permanently which is a violation of the law. The investor is hoping and praying that we stop making our payments so that they can foreclose on us. Deutshe Bank and XXXX placed a {$93000.00} junk fees and charges which continues to hurt us, because they gave us an interest only payment which does not exist anymore. This Investor does not want us to live their AMERICAN DREAM OF HOME OWNERSHIP.

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 2017-05-24
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I rented a vehicle from   XXXX   XXXX   XXXX   in  XXXX  with my  American Express Card.  Claim #  XXXX    XXXX   XXXX   dates   XX/XX/2017 - XX/XX/2017   Vehicle VIN  XXXX   XXXX   XXXX   XXXX  On   XX/XX/2017   had minor accident that left paint scratch on bumper.     XXXX   XXXX   is over charging my credit card a random amount of money that includes fees for dimished value {$2500.00} and loss of use {$520.00} that it is refusing to justify or explain.   Filed insurance claim with  American Express  and placed dispute.     XXXX   XXXX   does not cooperate with AMEX rental insurance and does not provide necessary documents to justify charges and tells me that it 's not their problem how I get the money back from the credit card ; especially charges of {$520.00} " loss of use '' {$2500.00} " dimished value ' ' American Express i s going to resolve the dispute in  XXXX   XXXX  's favor, despite not  XXXX  not having submitted the necessary documents and leave me on the hook to pay for all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Other fee

Complaint:
I purchased a secondary market gift card at a XXXX % discount from XXXX XXXX XXXX. They charged my Amex card through XXXX for the amount - {$25.00}. XXXX then issued a separate charge of {$10.00} for " cash equivalent - transaction fee '' This amounts to XXXX %, no notice and vague definitions do not even get close to this type of transaction. I have been buying gift cards for years from various vendors and have never encountered or been aware of this a fee. I feel scammed and the fact that there is no notice and the high percentage should not be allowed.

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 monetary relief
Consumer complaint received 2020-04-20
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing was sold on XX/XX/2020 by XXXX, XXXX to PHH Mortgage. I was never informed nor sent any correspondence via mail, email, phone, or fax. I submitted a payment to my previous servicer and unknowingly it was rejected due to the loan being sold. I was never informed and now I'm left to trust a random, and rude, individual from PHH threatening to report me to the credit bureau and possible foreclosure. 

I thought it was my right to be informed of what was going on? I have received nothing from either side.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
A satellite company has been harassing us for XXXX years accusing us of not returning their equipment. We did return the equipment and we were in contact with them as we did so. They sent us the boxes and forms to use to return said equipment. Emails were sent to us saying the equipment was received and they are dated! On our last phone conversation we told them to please remove the " negative '' item from our credit report. We even sent them the emails indicating receipt of the equipment. They have asked for and we did send copies of our correspondence. We got no reply and then after a XXXX of months, another debt collector begins calling and harassing us for payment. I do n't know how many times we have to do this, but this negative continues to show on our credit report. In the meantime, I have purchased a home, a new truck and a motorcycle and have had to present proof and documentation to the lenders in each instance. We have asked them again to remove this negative in the last month but have received no word from them. They demand proof and when we supply it, they ignore us. I want this blight removed and I have gotten no satisfaction from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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 XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX XXXX XXXX XXXXXXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX XXXX XXXXXXXX ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Total Card, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the " current creditor ''. The notice also shows another business as the " original creditor ''. 

I never received any type of notice from either of these XXXX businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this " debt collector '' is using to collect money for themselves. 

The notice shows me owing {$960.00} to XXXX XXXX XXXX, which is shown to be the current collector. It also names XXXX XXXX XXXX as the original collector. 

I am told in the notice that I have XXXX different ways I can pay off the amount I owe. I can make a one-time payment of {$290.00} and settle my payment in full. Doing it this way would save me {$670.00}. It also shows me being able to set up a payment plan of {$57.00} every month for six months to pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire {$960.00}. 

The name and address of the business claiming to be this debt collector is : Total Card , Inc . 
XXXX XXXX XXXX XXXX, SD XXXX # : XXXX is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid. 

The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by XXXX. 

I have already filed a complaint with the XXXX regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal. 

I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.

Company response to consumer: Closed with explanation