BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: NV
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:
N 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 explanation
Consumer complaint received 2022-09-22
Company: Financial Business and Consumer Solutions.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have started paying on this debt. However yall levied my pay check today for {$320.00} why is this??????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: OR
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:
FederalTrade Commission has been contacted with reports. 
reference number is : XXXX I am writing to dispute a fraudulent account in the amount of {$140.00} XXXX. I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

I am writing to dispute a fraudulent account in the amount of {$200.00}, XXXX XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 


I am writing to dispute a fraudulent account in the amount of {$500.00} XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm dealing with the deaths of my aunt and my grandmother who both died at the residence XXXX weeks of each other. Both were the main financiers of the mortgage. Although I'm the next responsible adult or the last one living, I fell behind dealing with burying both, in addition to pay off their debts in order to live at the home. I never even heard of who to pay or when or how much. Once I tried to make an attempt to pay what was owed when the mortgage fell behind I called and was told they couldn't accept my payment unless it was in full. I promised that I could pay more the additional weeks to get me even but was denied. As months passed, I tried to reach Rushmore ( previously XXXX ) about information regarding my issues and was told multiple time to contact their lawyer. I did this XXXX and even left voicemail and got no reply from anyone. Emails didn't work also. Now tomorrow I have a court date and I'm afraid of what will happen because I'm honestly at my wits end of it all. I can't find a new place to live until the " foreclosure " is lifted off my credit. My stuff is all in storage. I honestly would like to come to a mutual resolution so both parties can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXXXXXX Account Number : XXXX CLOSED : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-10-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sending this complaint means that I haven't received an acceptable result that I expected showing in my credit reports. I found that only XXXX inquiry was removed in my XXXX credit report, but the rest of the items were still reporting in my XXXX Credit Reports. And I need them REMOVED from my credit file. I am requesting the XXXX, Equifax, XXXX to please see the items I listed here in this complaint for you to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
A XXXX account is reporting on transunion credit report that is not mine. I disputed it twice but it still hasnt fallen off. I disputed it online and mailed XXXX letters to the dispute center but it still appears on my credit report.

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 2023-05-12
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have had an income protection plan in place for the last 6 plus years that is supposed to guard against loss of employment - no fault - or XXXX. I meet both of these sets of criteria as of XX/XX/XXXX. I was medically separated, involuntarily removed from my position in XX/XX/XXXX. Since then, XXXX has found me XXXX with an onset date of XX/XX/XXXX as well. Unfortunately, I was unaware that I had signed up for this protection but after looking over a recent statement found out it we were paying for it. After looking at our past statements, the protection has been in place for over 6 years. On XX/XX/XXXX, I went to file a claim now knowing I have this benefit. I was told I don't qualify because I didn't file within one year of being medically separated, or within 1 year of being XXXX. My situation has not changed. I am still XXXX, I am still separated from my position. I have paid over {$2800.00} for this benefit only to be told there's nothing that can be done. They will not backdate a year from the present day, they will not take my current situation into account. I have paid for this benefit. I am hoping that more government oversight or regulation will keep companies like XXXX and their Synchrony bank card from taking advantage of customers. This is not an ethical practice in any sense, it's simply a money making scheme at the expense of the consumer pure and simple.

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 2022-07-03
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX disputed also disputed XX/XX/XXXX advise debt been verified when payment history show different on every report also account type different on the credit reports XXXX XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : AUTO LOAN STATUS DATE : XX/XX/XXXX XXXX show : BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment STATUS DATE : XX/XX/XXXX XXXX show XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment account STATUS DATE : XX/XX/XXXX payments history shows different on every report also if car was sold at auction or for lessor value report should not show the full balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This portfolio recovery associates? They are a debt buyer. They not once notified me of them buying the debt, they also have changed the dates of the original debt and placed back on my credit report. The account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TN
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:
Experian has previously removed this account for identity theft and allowed it to be furnished again under a new company without any validation of debt. I would like this account blocked and removed as soon as possible. Its a violation of my consumer rights and defamation of character. Account number XXXX XXXXXXXX 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 2022-12-03
Company: AES/PHEAA
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is about DISCOVER FINANCIAL SERVICES and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. Because I did not apply for credit with DISCOVER on that date. I had applied to Discover on XX/XX/XXXX, and XX/XX/XXXX, those inquiries are legitimate and show up on my credit report but not on XX/XX/XXXX. 
Please launch an investigation into Discover Financial Services inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Discover is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text message that appeared to be from my bank telling me there was a fraudulent charge on my debit card. Upon texting back NO that I did not make that charge, I received a call from the exact same number as the US Bank fraud department number. The lady on the phone said that somebody was trying to steal {$3500.00} from my account through XXXX. She said the person was named XXXX XXXX. The lady had me link my account to XXXX and told me I needed go hurry up and transfer this money. She had me transfer this money to said XXXX in two payments, one of {$2000.00} and one of {$1500.00}. She also requested my debit card number. Shortly after requesting that information she stole {$1200.00} off of my card. Knowing something was weird, I called the bank fraud department number afterwards and was informed that I was scammed. I filed a claim for the stolen money from XXXX as well as the {$1200.00} dollars stolen via XXXX pay from my debit card. The bank was able to reverse the {$1200.00} charge. However, a little over a week later I received a letter in the mail stating that my claims for the {$2000.00} and {$1500.00} XXXX transfers were declined because I initiated these transfers. I only followed through with the transfers because I believed I was speaking to the US Bank fraud department. Immediately after speaking with the real fraud department I filed a police report at my local police station. Last time I spoke with them they were still working on getting information from XXXX as to who this person I transfered this money was and where the money went.

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 2022-09-22
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted Great Lakes twice to request a refund per the COVID refund guidelines for my Graduate Plus loans and was denied both times. The Student Aid website specifies the loan should be eligible for refund : " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Investigation took more than 30 days

Complaint:
I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am sending you this because the 3 credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.

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 2022-07-03
Company: EQUIFAX, INC.
State: TX
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 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. 

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. 

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. 

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. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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. 

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. 

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. 

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. 

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 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: First Technology Federal Credit Union
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a ticket for XXXX XXXX to visit XXXX for XXXX weeks of vacation using credit card from First Tech Credit Union. My luggage was lost and I filed the lost luggage on the spot. XXXX XXXX did not respond to me until XXXX week afterwards. I had to pay at for the very basic replacements in the luggage and my whole vacation was ruined. I asked for itemized compensation from XXXX XXXX given their policy listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They answered me after 60 days offering a XXXXXXXX XXXX XXXXXXXX. I refused given the very high amount of money I paid for replacements. I contacted my credit card for the dispute over the horrible service I received. After another 60 days of waiting, First Tech denied it without a proper explanation. As a consumer, I am protected by US department of transportation for lost/delayed luggage up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and by US federal federal trade commission for a bad service that was provided by XXXX XXXX to be XXXX XXXX first tech ( XXXX XXXX XXXX  ). However, First Tech rejected my dispute telling me that I shouldn't have taken the flight. Now that I have used that service, I have to deal with the merchandise itself. 
This is my last time, using First Tech Credit Card.

Company response to consumer: Closed with explanation