BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Credit bureaus refuse to remove unauthorized loan inquiries. Called several times to report that the inquiries were fraudulent and still no removal.

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 2015-10-30
Company: Integrated Asset Recovery LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
HI, ok, I got a call from a company telling me that I was going to be served tomorrow between XXXX for an old payday loan. He said that I had 10 days to pay or I would be " SERVED '' and court cost plus garnishment would all add more to the bill. He scared me so I gave him my info and split the payment in half, for {$580.00} each. 

I started to have doubts once I calmed down which was a couple of days, then I called the attornery general in Ohio and also my bank, Both had said they get hundered of calls like that and more than likely its a scam. So I stopped payment on the payments and luckily my bank refunded XXXX payment that was processed and the other payment did not go through.. 

I googled the company and there were alot of people who commented on how they got the exact same speal. 

The name of the company is different though, the name he gave me was XXXX XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The name of the company may be different but the address is identical. I am confident that this is the same company. 

I just googled that address and its a XXXX. 

He called me today and wanted to know why i stopped payment, of course this was on my voice mail and i was at work, but XXXX minutes later, my son texted me that XXXX called him and told him to have me call about a legal matter. 

I called the XXXX for New York and they told me that this company has an F rating and that is is illegal for a company to collect on a payday loan. 

I hope that you can help me get him to leave me alone. 

Thanks for your help, I really appericate it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-12-10
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I am writing in regards to the hacking that occurred at Scottrade XXXX XXXX, Scottrade, XXXX and Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.

Company response to consumer: Closed
Consumer complaint received 2015-10-29
Company: Empowerment Ventures, LLC
State: LA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
RushCard has been having system issues since XXXX/XXXX/2015, I had lost my card on the XXXX and blocked it. I called in a day or 2 later to have it unblocked and the representative said it would be active in XXXX hours which would have been Monday around XXXX CST. My card was still not active as of Wed so I called back when I was informed that they were unable to access their system to reactivate my card or remove block. Today is XXXX/XXXX/2015 I have calle dalmost every other day and I still have no access to my funds. I had to move out of my apartment with my XXXX children, I am unable to buy food to feed my family, I am unable to pay my car note or have my transmission fixed that has been broken since last month. I have no money and although family has been helping a little, they have their own families and bills they are responsible for. I do n't have any money, I had to change my kids school because I moved and almost lost my job because of days I missed and came in late. My job will not issue me paper check from check received on XXXX/XXXX/2015 because the funds were not sent back to them so I now have no way to get my check that was direct deposited a week ago. I can not purchase food, winter uniforms for my kids, pay my car note or pay for a taxi to get to and from work, find another place to live because I will have a non payment eviction and it will be hard to find another apartment for my family to live in with an eviction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.

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 2021-12-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XX/XX/2021 XXXX XXXX of XXXX XXXX submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I made two payments using a check from another bank ( XXXX ) to pay my balance down as XXXX was offering me a 0 % transfer. I accurately submitted the checking ( from XXXX ) information online into Synchrony 's web site. Unbeknownst to me Synchrony attempted to process the payment ( s ) as cash advances. XXXX rejected the transfer as this was not the intended purpose. I continued to make payments with my normal checking account as I had recurring payments set up so despite the 2 rejected payments I never missed a payment or was late. From my conversation with XXXX this was a clerical error on Synchrony 's end. Despite this Synchrony cancelled my account and referenced " dishonored payments '' for the reason.

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 2016-08-04
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was set up on a payment arrangement for XXXX payments. Instead my entire balance was deducted out at once. It was an unauthorized payment. My arrangement was for XXXX payments of {$110.00} to be deducted from my account by check on XXXX XXXX and XXXX XXXX. The rep that took the unauthorized payment was XXXX with the ext. XXXX. When I realized {$230.00} was taken from my account I called multiple times to resolve the issue and no one answered the phone for the first 5 attempts. When I finally spoke with a assistant manager I explained the situation. They went back and listened to the call and heard me agree to XXXX payments. I asked for the other half to be reversed back into my account and was told that would take 10 days ( after my next due date ). I expressed that I felt I was being penalized for their mistake and I now was short on funds. They told me they could n't do anything else. I received contact information for the manager of that location ( XXXX ). While conversing with XXXX he was rude and made comments after I expressed how much of inconvenience the entire situation has been to me. He said things such as I was an inconvenience to his reps because I am in collections. XXXX expressed that I could have the money refunded once I had my bank send proof via email that the funds cleared my account. I informed him that I was aware that their system updates them once a balance is resolved so he had proof that {$230.00} was removed from my account. He expressed that he still needed proof and offered me a deal to have the payments stay resolved and he will have the credit bureau remove the collections off my credit report XXXX XXXX. I am currently waiting to receive that in writing. I emailed him to inform him that I needed it in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX KEPT COLLECTING ON THE TRADELINE OWNED BY XXXX AND THE TRADELINE IS STILL BEING REPORTED ON CLARITY, DP BUREAU, teletrack ETC.. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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 moved out from my apt less than 90 days from being released from XXXX XXXX. I informed this of sent my military information and they wo n't stop. I was informed that I qualified in class action suit against the IQData v XXXX but was in the hospital so was n't included in the suit. 

The lawsuit charges that IQ Data International violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was trying to close an account with 53rd bank. I sent a closure email to find out how and received no response. I then just tried to transfer the money out to force closure of both my savings and checking account. On roughly XX/XX/XXXX I started the transfers from XXXX to chase. On XX/XX/XXXX I received 2 emails from XXXX stating the transfers had been stooped for review ( Item # : XXXX Amount : {$1300.00} From : XXXX To : XXXX XXXX, Checking XXXXXXXXXX ) ( reasons. 

********************************************* Item # : XXXX Amount : {$30.00} From : XXXX To : XXXX XXXX, Checking XXXX ********************************************* ). 

I was at that point locked out of my account. I emailed the account back asking for an update and received auto message saying no response would be given but that this would help the investigation. 

It is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft, and I have a right to privacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX My name is XXXX XXXX XXXX am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me at 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARES ACT was allowing for consumer protection under the CARES act with creditor offering accomidations. I have on my XXXX XXXX XXXX XXXXXXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX  Please delete/remove them asap.

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 2021-12-18
Company: Law Office of Brett M. Borland, P.C.
State: GA
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:
I received a call from a collection agency and negative reporting to my credit file for an apartment complex where I never lived. Not sure how or why my information was used. I requested a copy of the contract to see what information was directly used however have not received any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For XXXX Bank - I never entered into a payment arrangement with them. They are falsifying the date of last activity in order to prolong the time this item is on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While serving I 'm the United States XXXX I was stationed in XXXX XXXX while our XXXX was being renovated and repaired. 
We rented an apartment in XXXX, XXXX. They gave us 1 free month and I think it was if we signed a year lease. Being military we ca n't always commit to a 1 year lease. The manager who signed us up assured we do n't need to worry about it if we move early because of being military. 
Midway through our stay the apartments changed ownership or management. This turned out to be somewhat of an issue for us. The agreement we had with the previous managers was gone because of the change in management. 
During our stay at XXXX we received the news that our XXXX was completed and we would be relocating to XXXX, XXXX. I do n't know about you but we were n't going to rent an apartment I 'm XXXX when we moved XXXX. 
We let them know and we moved. 
Months later we began receiving calls from a terrible debt collection agency. They claimed we owed them for the free month we were provided. Being that I was XXXX military there was not we could do to stay there and complete our lease because of military orders. 
We provided this documentation to these very rude and unprofessional individual at the collection company. He straight up called me a liar on the phone because his " Marine friend '' look at our orders and said they were n't real. 
I have 100 % proof that immediately after moving from XXXX that we had a new place in XXXX and that I was still XXXX 3 years in XXXX, so I assure that my orders were not some false fraudulent document as the collections rep stated by calling me a liar on the phone. 

We are considering legal action as it is as this has caused me significant grief and suffering in my life as it has made it very difficult to rent or buy a home due to the bad mark not only on my credit but to also homeowners when they see we had a nonpayment for a rental.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong 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 2021-12-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX student loans showing on my credit report should not be there please correct the information and remove the account from my report.

Company response to consumer: Closed with explanation