BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian and XXXX regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of Education and XXXX and Experian Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. XXXX and Experian are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the Credit Reporting Act Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NV
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this compliant in regards to the numerous efforts of faxes and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with XXXX, XXXX, and Experian in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to XXXX, XXXX, and Experian the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.

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 2023-02-02
Company: ZIONS BANCORPORATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a home-equity line of credit with Vectra Bank XXXX For the past two and a half years, I have been making regular payments with them and have no missed any payments. 

This year, they suddenly stopped accepting my checks. I would love to pay them, but they are not accepting my checks. Instead, they are calling me -- nearly daily -- asking for me to pay them over the phone, which incurs an additional fee. 

I have asked them to set me up on their website ; they refuse. They tell me I need various account information. I can't give it to them because they have NEVER sent me an account statement in two and a half years of having a loan with them. 

Basically, then, they're refusing my payments, they're not sending me billing statements, they're not allowing me to access my account, and they're trying to charge me more to pay over the phone. 

I've had it with them and their constant harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute on XXXX XXXX and I have not heard anything from XXXX, XXXX  or equifax regarding my disputes. 
I am disputing : Chapter XXXX bankruptcy chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX  late payment XXXXXXXX XXXX XXXX unauthorized Inquiry XX/XX/XXXX XXXX XXXXXXXX unauthorized INQUIRY XX/XX/XXXX XXXX  XXXX credit unauthorized inqury XX/XX/XXXX XXXX XXXX XXXX unauthorized inquiry- XXXX XXXX XXXX XXXX XXXX unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Incomplete and unverifiable XXXX XXXX  XXXX Inaccurate & imcomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries are fraudulent and unauthorized

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 2021-03-23
Company: Atlanticus Services Corporation
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: Account status incorrect

Complaint:
XXXX came to my door and was trying to sell me home security. They promised products of certain qualities ( XXXX camera, water heater flood alarm, integrated smoke alarm ). I agreed and signed financing documents for the product. During installation, they didn't bring the agreed upon products. They said their salesman was new and to get what we talked about would be an upcharge. I was not interested in haggling and canceled the entire sales. The problem I am having is XXXX canceled everything and vacated my property with their equipment. I have all the documentation to support that statement. Their financing company called Fortiva refuses to cancel the loan and expects monthly payments for something which doesn't exist. The original agreement amount made with XXXX was {$1400.00} which they upcharge to {$1700.00} for the original agreement. After agreeing to the upcharge, they still failed to bring the required products. I got frustrated dealing with their bad sales practice and canceled the entire order. After canceling, a month or two later I see Fortiva on my credit report for {$4000.00}. My wife showed me that she also has a {$4000.00} loan from them on her credit report. They also refuse to speak with us and refuse to accept the cancelation documents provided by XXXX. I have reported it on my credit report and was denied two times with the supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On X/X/2017, I made a payment to my Bank of America credit card. It did not show as pending and I received no confirmation, so I took it to be not processed. I made another payment and lo and behold, two payments for $ 9000+ were debited from my account!! They were taken out on XXXX. Today is X/XX/2017 and I have yet to receive a refund!! I have called every day and am always given some excuse - I had to wait three business days before they could register a claim, that it can then take an additional 5-10 business days for the refund, the Patriot Act ( this was from XXXX in the West Virginia call center today and I asked him that it takes two weeks due to the Patriot Act? No response ). I have been told three times that I should expect to receive the refund Saturday or today. Nope, nothing as yet. It is interesting that a bank will take your money in a matter of seconds but can not explain why it takes two weeks to return an error. XXXX told me the refund was approved today!!!!!!!!!! You can not make it up and I am just appalled that banks can sit on a {$9000.00} refund with no repercussion to them for acting so unethically and unprofessionally ... ... ... ... ... ...

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 2017-10-10
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: Public record information inaccurate

Complaint:
Dear CFPB, I am writing to dispute the following information below thats on my Equifax credit report : Bankruptcy Per Equifax states that on XXXX XXXX, XXXX they verified with XXXX that a bankruptcy was on my file. However I have attached proof that the information is not true. Equifax did not verify such information because there is not a bankruptcy reporting on XXXX and my file has a security freeze that was placed on my account XXXX XXXX, XXXX. I have also attached proof of that as well. 

My concern is that we put trust in a company such as Equifax that has the power to affect consumers wellbeing and quality of life but theyre not following the Fair Credit Reporting Act, something needs to be done about this. Im just looking for some help and relief to get this matter resolved as soon as possible and the bankruptcy deleted from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
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:
I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have very good credit and a {$17000.00} line of credit on a Fidelity XXXX XXXX. Due to prior problems with Fidelity XXXX, I stopped using the card opting for a different credit card. I have a XXXX balance due to a credit three weeks ago. Prior to the credit, I had scheduled one final {$120.00} payment. On XXXX XXXX, Fidelity, knowing I have a XXXX balance, applied the {$120.00} payment creating a XXXX balance. I called and asked Fidelity to refund the {$120.00} immediately. Fidelity told me it takes 17 days to reverse my {$120.00} negative balance which I find fraudulent unless I get interest on my {$120.00}. I desire for Fidelity to immediately reverse the {$120.00} payment of pay me interest for 17 days of unlawfully holding my money.

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 2015-10-15
Company: Empowerment Ventures, LLC
State: WV
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
RushCard pre-paid debit cards had an update that was told to its customers in an email would only last five hours and be over XXXX on XX/XX/2015-Now we can not get on their website, call them, or contact them. Everything stopped working. Today is XXXX/XXXX/15 and its my payday and my funds are n't on my card. I was able to finally get through last night and the representative told me my direct deposit was pending and it would be placed on my card within 1-2 hours. Its the next day and nothing, phone hangs up or is silent when you call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I would like to know why Scottrade failed to mention that Social Security Numbers and account numbers were stolen in the latest data breach and that the Social Security Numbers were left UN-ENCRYPTED. 

That data included brokerage account numbers, spokeswoman XXXX XXXX revealed Thursday. 

" They could have seen Social Security numbers, brokerage account numbers and emails, '' she said. " However, it appears that contact information was the focus of the incident, '' she said.

Company response to consumer: Closed
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In the past, I've had several student loans from the US Dept of Education from XXXX. Over time my student loans have been transferred to XXXX, XXXX, and XXXX. I am currently consolidated with XXXX, and the previous loan servicers XXXX and XXXX are reporting my loans with the correct status, which is paid in full consolidated. US Dept of Education is reporting my student loan as Paid/collections, and this is simply incorrect. I have not done business with this loan servicer in over a decade, and this incorrect information prevents me from purchasing a home. I have spoken with two customer service representatives from the US Dept of Education and a supervisor resulting in no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have for the last XXXX months been working to secure a forbearance or deferment for my institutional loans and XXXX loan, due to no avail. I can not reach anyone at the XXXX servicer, ACS Education. When I do try to contact ACS, they defer me to one person at XXXX who seems to work once a month and never gets back to me. I have repeatedly explained that I am currently unemployed and can not make payment on my loans and it is important to me that they not go into default. I continue to be given the run-around by both XXXX and ACS as to this matter. I believe that what they want is for the loans to default, so they do n't have to deal with it anymore. I had an employment deferment for XXXX and simply asked them to renew this for this year. There seems to be no quick solution to this and I do n't understand why -- it 's such a simple matter. The loan servicer for my federal loans, emailed me the forms they needed and gave me the choice of emailing or mailing them back. Those loans have been securely in deferment. Also, XXXX has refused to put my loans into a temporary forbearance while they continue to insist that I work with the neanderthals at XXXX who never get back to me, or respond to me in writing. Again, I believe this is intentional so they can refer the loans to a collection agency, instead of working hard to help former students. This is predatory and unjust. Now I log onto the ACS website today and I do n't even see record of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
RE : CFPB Complaint - XXXX Sallie Mae has not updated the address as the said they would and have now increased his APR to 10.25 % ( XXXX ) and 8.250 % ( XXXX ) although they know he is XXXX in the XXXX XXXX as a XXXX. I am paying on his account and handling his finances while he away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Chime Financial Inc
State: AZ
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 Chime Credit Builder Card was stolen and used in another state from where I live. There were many unauthorized charges made during the dates of XX/XX/2021 to XX/XX/2021, during these dates I was admitted in the hospital and had no knowledge that my card was being used until I got out of the hospital. I called the company right away on XX/XX/2021 which was about 24 hours after the last unauthorized charge was made. They did an investigation and said that they found no errors occurred. I provided them with the FTC identity theft report I filed, the police report I filed and proof from the hospital that I was admitted ( in Arizona ) during the dates the card was used in Nevada. The police have even made an arrest of the person who used my card and the bank still will not reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Dear Scottrade, As mentioned in my separate letter, I wanted to highlight that my son reported vulnerabilities of Scottrade systems, including but not limited to the following errors:1. ) Failure to encrypt customer information, including secondary passwords, social security numbers, and other highly sensitive personal information. Scottrade ignored the warnings and as a result the recent XXXX XXXX customer data breach is now a serious issue. If Scottrade has listened to the reports that they did not properly encrypt and protect information the breach would not be as large of a risk to customers. 
2. ) ACH vulnerabilities in Scottrade 's systems that allow hackers to fraudulently initiate XXXX dollars if fraudulent trades. 
3. ) Failure to investigate fraud. 
4. ) Et al. 

To be sure, I have attached a letter sent to Scottrade and the SEC that describes a number of these issues and would invite Scottrade to respond to my concerns and explain why they ignored the fact that Social Security Information was being transmitted and stored in plain text.

Company response to consumer: Closed