BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have an issue with the Discover Secured Credit Card. I applied and was approved for a Secured Credit Card. After several e- mails from them I sent in my {$200.00} security deposit. I received the card within 3 days and received a e- mail stating they could not " verify " my social security number. the company forwarded me a document to verify this through SS which I completed and returned to them via - email as they requested. During this time, they froze the card would not allow me to activate the card until they completed their process. Discover received my funds on XX/XX/2022. 
Discover decided that my paperwork was not adequate and sent an - email stating they closed my account ( never opened ) and I would receive my funds. Today is XXXX XXXX and after several telephone calls with extreme waiting times ( 30 min plus ) I have not received my {$200.00} deposit. the money was drafted out of my bank on XXXX XXXX. 
I have called several times to be told it would be 10 business days, well now it's been a month I have no access to credit and no deposit. 
My question is what happens on my credit report ( an account that was never opened and closed ) and where the XXXX is my deposit? Why has it taken this much time and why was the funds returned as they were received via bank ACH?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Kikoff Inc.
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:
My phone was stolen, and charges were made using my device at multiple merchants totaling {$1200.00}. I filed a dispute with kickoff lending and for whatever reason they claim that no funds will be credited to my account and this matter would be considered closed. I was sent a notice that served as a final resolution of the claim. I do not believe that they A thorough investigation of the incident and therefore should reimburse me for the funds that I had lost due to this theft. On XX/XX/2022, XX/XX/2022, XX/XX/2022, are the dates that that took place. The amounts are as follows {$820.00}, {$13.00}, {$240.00}, {$100.00}, {$38.00}, {$30.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( 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 ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-07-04
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:
XXXX, XXXX, TransUnion, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX TransUnion LLC CFO, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period. 

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2022-07-29
Company: Regional Management Corporation
State: SC
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:
REGIONAL FINANCE # XXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

XXXX Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting XXXX different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2023 There were two unauthorized hard inquiries on my credit. I have submitted a police report of it being a fraudulent attempt to all of the reporting agencies. 
In accordance to the fair credit reporting convergence act the inquiry on XX/XX/2023 by XXXXXXXX XXXX XXXX  ) AND XXXX XXXX XXXX XXXX XXXX ) VIOLATES MY RIGHTS 15 U.S.C 1681section 604 A section 2 states a consumer reporting agency can not furnish an account without written authorization. Please delete from my report immediately

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 2020-01-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX I opened an Ace CASH Flare, XXXX account. 

I opened an account as part of an offer to receive a {$100.00} credit under the following conditions : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. '' XXXX I made a direct deposit from my employer of {$500.00}. 

XXXX After more than " 30 business days of receiving qualifying direct deposit, '' no " credit of {$100.00} '' was applied. 

XXXX I contacted ACE/XXXX  asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied asking for proof. They claimed that I had to have received an e-mail offer. However, the " ACE Bonus Offer '' PDF contains no reference to any e-mail offer. 

XXXX I sent an e-mail to ACE/XXXX XXXX   customer service providing the proof of the offer and a reference number of my case ID. I have attached the proof as " ACE Bonus Offer. '' XXXX ACE/XXXX  replied stating that they " unable to process your request at this time '' and would " provide you an update within 1-2 business days. '' XXXX 4 business days later, I still had not received an update. I contacted ACE/XXXX  XXXX customer service again asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied stating that " Someone from the corporate office will contact you directly within the next 2 business days. '' XXXX 3 business days later, I have not been contacted by ACE/XXXX I still have not received the {$100.00} offer having fulfilled their conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Consumer Finance Protection Bureau XX/XX/XXXX On XX/XX/XXXX we suspected fraud on our Wells Fargo Bank Account. We called the Wells Fargo Customer Service Number on the back of our Debit Card. Our call was intercepted and diverted by scammers to themselves. They posed as Wells Fargo Fraud representatives. They said they were there to help us secure our money. During that process they stole {$25000.00} from us via a wire transfer. 

We totally trusted them! We thought we were talking to Wells Fargo Employees! The scammers were able to intercept our call and divert it to themselves and operate as though they were Wells Fargo representatives. 

They said an online XXXX Gambling site was trying to steal our money. They said, they had set up a virtual bank account. We were to send $ XXXX via a wire transfer to protect us from losing it. 

On XX/XX/XXXX we brought this situation to the attention of a Wells Fargo Banker. She said the call, which we made using the number that is on the back of the debit card, showed up on their call logs. This Banker also said the wire transfer was done incorrectly. Upon reviewing the paper work for the wire transfer, she said a second person did not sign off on it and there was a lack of a pin number. She said, she would have never let it go through! 

We strongly believe that Wells Fargo should credit the $ XXXX back into our checking account. 
1. We followed the proper protocol, in calling the number listed on back of the Debit Card.

2. Their Customer Service Number was not secure at that time.

3. Mistakes were made on the wire transfer. It should have never gone through.

4. If the call to the Customer Service Number had been secure and gone to Wells Fargo, this situation would not have happened!

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 2022-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies have reported unauthorized inquiries on my consumer report without my knowledge. These inquiries are : XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX EQUIFAX MORTGAGE SOLUTIONS ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( FINANCE ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Key 2 Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently pay XXXX $ every 2 weeks. I havent revived a statement every 2 weeks like Im suppose to. The last statement I got was5/17/2022. I have contacted the company several times even spoke to supervisors. They keep saying the statement has been mailed out. We confirmed they had the right address and still nothing. Tried to get in text messages the first time didnt receive nothing that way either. Im very annoyed that I can not see what is being applied to my loan and if this is not handled I will be speaking to a lawyer to have him contact the company. key 2 Recovery has been an awful experience and they need to learn how to communicate and handle problems better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: AL
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, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX BANKRUPTCY Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 2022-07-29
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the amount of this debt with LVNV FUNDING LLC several times. The original debt was XXXX yet they continue to report a balance of {$6300.00}. Washington State, were I live has a maximum interest law on debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-06-08
Company: Experian Information Solutions Inc.
State: NY
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  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( 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 ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Monitoring the information on the 3 credit reporting agencies, the information provided by PRA is incorrect. 
Date opened : XX/XX/2018 I was homeless at this time. I was unable to receive mail. Yet according to PRA reporting, I opened a XXXX XXXX credit card? 

Payment history : PRA reports as though no payments were made on this account. However, under the recent payments tab it states {$47.00}. 

The information being reported is not factual and not a true representation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The Case XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of XXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX % XXXX % XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.

Company response to consumer: Closed with explanation