BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: EGL US, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
As a consumer pursuant to 15 USC 1692a ( 3 ) I was denied for a loan by BMGmoney and their representatives on XX/XX/2023 due to them stating that I did not meet an alleged income requirement that is not stated in their eligibility requirements. Those requirements are If you have been employed for at least one year, are over 18 years of age, are not active in the military and are not in bankruptcy, you may be eligible. Also you must be employed by one of the employers we work with. Pursuant to 12 USC 4502 ( 6 ) I receive compensation in relation to employment and not income. The actions of BMGmoney are deprivation of rights under color of law pursuant to 18 USC 242 and it is knowingly and willful intentional discrimination against me as a consumer with the capacity to be an applicant pursuant to15 USC 1691 ( a 1-3 ). BMGmoney representatives must provide legal proof of the loan income requirement with the supporting federal laws. I am demanding that BMGmoney provide documentary evidence that I receive income in relation to employment with the supporting federal laws. The emails attached are documentary evidence that I was knowingly and willfully discriminated against even after notifying BMGmoney of their illegal discriminatory actions, in which they proceeded to continue. Pursuant to 15 USC 1691e ( a ) and 15 USC 1691e ( 2 ) I have suffered damages due to the actions of BMGmoney and their representatives they are liable for me being an aggrieved applicant in which I am entitled to and am demanding damages in the amount of {$5000.00}. To remedy this matter I am demanding BMGmoney to immediately approve the loan that I applied for or issue me a check for the damages they created in the amount of {$5000.00}. They have deprived me an extention of my credit knowingly with willful intent. This complaint is made in good faith, peacefully, and respectfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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 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 2022-11-07
Company: EQUIFAX, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company transferred my mortgage and to a new company. I did not receive any correspondence regarding the transfer. I usually do automatic payments, so I thought the payment was taken from my account. However in XXXX I received notice that I missed XXXX payment. And that I have to create an account to make payments. I was now 1 month behind. I did an application in loss mitigation and was told that it wouldn't affect my credit, they set it up so I can pay whatever I can when I can. In XXXX I received a call to call my mortgage company, I did and was told that they need additional information. I sent the information while I was on the phone, they needed bank statements and pay stubs. I didn't hear anything more from them and I have been making payments, and caught up on the one month. I applied for a cash out refinance only to find out that they did report me to the credit bureau. I called they to inquire about it, and was told that I didn't submit documents that were requested. I did not and have not received any correspondence from this company neither text, mail, email, nor phone calls. 
I told them that their representative gave me incorrect information and now it's affecting my refinance application. They just shut me down. I need help getting the negative report from my credit. 
I have never had a late mortgage payment since I bought this house in XX/XX/2020. All this happened because of the transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Prior to leaving for the XXXX XXXX I added {$2500.00} to my netspend card to pay for our resort stay which was {$2400.00}. When I arrived at the resort I presented my netpspend card for payment and it was declined multiple times for insufficient funds. I attempted to use my card directly and with XXXX XXXX but it continued to be declined. I contacted netspend customer service and all the representative kept saying is was insufficient funds but confirmed the amount on the card was {$2500.00}. They said they couldn't assist me with transferring the money back to personal checking account and that I would have to go online to do so. I couldn't access my account without roaming charges since I was out of the country. So I had absolutely no access to my money and the ATM only issued pesos with a fee. I was supposed to use this anywhere in the world they accept XXXX and XXXX but it would not process the transaction. After 2 hours at the reception area I had no choice to hand them my debit card. Now according to the resort they ran through a lesser amount to see if the transaction would go through and then I could use my personal debit card to pay the remaining. Since the transaction would not go through with netspend the resort without my permission charged my debit card the entire amount of XXXX. The next day, Mon XX/XX/XXXX I purchased items from the gift shop at the resort and my netspend card was accepted and also accepted at the airport. Finally I got back in touch with net spend, they said the resort machines would not convert the dollars to pesos. But that is not true because they use the same machines at the gift shop. This caused my personal bank account to process overdraft fees, negative balance and bill not paid. If you can use these cards anywhere in the world then netspend should convert to the countries currency from american dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Credit Systems International, Inc.
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) performed XXXX on my wife in XX/XX/XXXX. We paid cash for the outstanding amount on the day of XXXX. On XX/XX/XXXX, I received a bill from XXXX stating that we still owned {$230.00}. This amount was paid on XX/XX/XXXX and I have proof of this from my bank- they cashed the check. I got a letter on XX/XX/XXXX from Credit Systems International on behalf of XXXX for another {$150.00}. I called the collection company who said that they received the {$230.00}, but there was still the outstanding amount of {$150.00}. So, XXXX never communicated with us- they went straight to a debt collection company which is really inappropriate and insulting because it implies that we refused to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Cfpb, I am writing to inform you that ACIMA DIGITAL FKA SIMP debt collection practices are in violation of several laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California state laws. 

Firstly, ACIMA DIGITAL FKA SIMP agency has engaged in false representation by misrepresenting the amount of debt I owe, threatening to take legal action that you can not legally take, and using deceptive tactics to intimidate and coerce me into paying. This is a clear violation of the FDCPA, which prohibits debt collectors from making false or misleading statements in an attempt to collect a debt. 

Secondly, ACIMA DIGITAL FKA SIMP agency has threatened to sue me in a non-home state, which is also a violation of the FDCPA. The law prohibits debt collectors from threatening legal action that they can not legally take, and from initiating legal proceedings in a jurisdiction that is inconvenient for the consumer. 

Finally, ACIMA DIGITAL FKA SIMP agency has violated California state law restrictions on debt buying and selling. The law requires debt buyers to be licensed by the state and places restrictions on the types of debts that can be bought and sold. It appears that your agency has purchased my debt in violation of these regulations. As well as threatening to illegally seize property. 

I demand that you immediately cease all collection efforts and remove any negative information from my credit report. Failure to comply with these demands will result in legal action being taken against your agency. 

Please be advised that I am aware of my rights under the FDCPA and California state law, and I will not hesitate to take legal action if necessary to protect those rights. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Bread Financial Holdings, Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I placed an order with Lane Bryant online on XX/XX/XXXX. 

I returned all items and received a confirmation email stating the funds were refunded and credited back to my credit card on XX/XX/XXXX and XX/XX/XXXX ( Please see attachment ) for more details I received a text from lane bryant on XX/XX/XXXX claiming the acct was beyond payment. 
I called in and spoke to a rep, she requested that I give her the tracking numbers which I did ... she stated she would forward the information to another department to have them investigate. I called in on XX/XX/XXXX to check the status and was told no dispute was ever entered. 

On top of that._ I was told my credit score would be affected. So I was forced to pay the min payment to keep this from going further. 

Also, The department that handles the online order can actually see on their end that the money was credited back, but for some reason, the credit card department has no record of it. 

My account should reflect a XXXX balance with no derogatory remarks ..Lane Bryant Comedity Bank has validated the law and I would like to move forward with the complaint/lawsuit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is an ongoing issue with Capital One and I have had nothing but problems dealing with this credit card company. I opened up an account on XX/XX/2023 and which I was told I could do a balance transfer in which they did not happen because something was wrong with their computer system. Finally on XXXX XXXX  XXXX XXXXI was able to get through to make a balance transfer but now I am finding out that its still pending and the balance transfer wont even go through before the XXXX of this month and which I told all customer service representatives and a supervisor that it needed to go through before XXXX XXXX XXXX XXXXXXXX. I was told it would only take 3 to 5 days once my balance transfer was not pending anymore. Now I am hearing for the first time from a supervisor that it will take 15 more days after the 3 to 5 days before a check can be issued to my other credit card company for the balance transfer amount. So today I had to cancel the balance transfer because Capital One did not start the balance transfer process when I first called initially because they were having computer issues. Had Capital One taken care of the balance transfer immediately The balance transfer would have taken place already and my other credit card company would have received payment for balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: GA
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 disputed XXXX XXXX account which was sold up XXXX XXXX, XXXX with Experian. XXXX civilly tired to sue me in court and the court ruled they have insufficient evidence to even pursue the case and ruled in my favor. I have sent Experian the final ruling and it still is reporting to my credit and its in violation of my rights 15 USC 1681 for reporting inaccurate information with given proof of the account. Its cause my denial for credit and they have updated my account and no deletion for inaccurate report, which should have been done .Experian updated my report XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XX/XX/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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Effective XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) became the provider of bankruptcy public record information to TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was discharged in my bankruptcy andis not reflecting so on my transunion report. also, the account is reporting a payment status as XXXX  days late. The normal transunion dispute process has not successfully updated this account to reflect included in XXXX  XXXX. I required your assistance so this account is included in XXXX  XXXX i have attached the list of creditors including XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today, XX/XX/XXXX, XXXX I was going through emails and noted that on XX/XX/2022 at XXXX I received an email from Bank of America XXXX that an online application was in process. 
I received a second email from Bank of America XXXX with the exact same time stamp as above reading your application was approved. The contents of that email read that my new account was open for Bank of America XXXX XXXX Banking, including an account number. 
I have a third email from the same address with the time stamp of XX/XX/2022 at XXXX with a link to view service agreement. 

I did not open such account and do not bank with Bank of America. 

After seeing these emails, I immediately do a search for the email address that sent them and also searching for other reports of the same incident- I came across a huge XXXX XXXX with the users posting the exact same complaint, with the most recent post being today. The users claimed they made attempts to call Bank of America and report the fraud- and every post stated Bank of America could not assist with the report because of various reasons. Most users reported they had to start the process by submitting a complaint through this website- which is why I have not contacted Bank of America and submitting my complaint first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: SC
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 have inquiries on my Equifax report that I never made. I need these removed I have tried several times to have them removed. I didn't inquire with these companies. 

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 response to consumer: Closed with explanation