BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Certegy Holdings, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I currently have a XXXX credit card which I use to purchase items. I have tried on multiple occasions to add my XXXX Bank account information to my wallet and every time I get an error message that states the routing number can not be accepted. Furthermore, I tried to send a check payment for the outstanding balance from my XXXX Bank account, and it was rejected as well. 

I submitted multiple customer service requests to XXXX to understand why they do not accept my payments. In communicating with XXXX, they let me know that they do not control the routing number tables and the verification used for payment processing. They use a company called Certegy to do their payment processing and verification, and that I need to speak to Certegy about resolving the problem.

I reached out to Certegy and submitted a ticket. The ticket was never resolved and a tier 1 agent reached out to assist. The tier 1 agent said someone would get back to me in a day to resolve the issue. It has now been more than 2 months with no call back. I did call back multiple times asking to speak with a supervisor regarding the issue, but I was always told I would get a call back but never have. 

Furthermore, I contacted my bank, XXXX Bank to better understand the problem and after further research they sent me the following communication to send to Certegy. It read as follows : " RE : VALID ROUTING NUMBER NOT RECOGNIZED BY YOUR COMPANY - XXXX Bank 's routing number is XXXX has been active in the Fed Routing Tables since XX/XX/2021. We received notice from our customer that your company does not recognize this information. The routing number can be verified at XXXX XXXX XXXX using the E-Payments Routing Directory. This routing number can be used for any Fed ACH transaction. We encourage you to update your records to allow your clients to use this active and valid routing number. '' Based on my understanding, Certegy needs to update their routing tables with XXXX Bank 's routing number so that XXXX and other large corporations can accept payments from XXXX Bank which is a publicly traded company and billions of dollars in customer funds.

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 2023-05-27
Company: Resurgent Capital Services L.P.
State: DE
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:
LVNV Funding continues to illegally report two collections account on my credit report. LVNV Funding attempted to sue me in court, in which they could not prove the alleged debts belong to me and the judge dismissed the case. They refuse to remove a debt that one does not belong to me, and two one they can not legally tie to me. Please investigate this company as they are not abiding by the FCRA. I will attach the docket for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Sunbit, 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 contacted the company in reference to a account reporting on my credit report. This account is reporting a {$400.00} balance and was charged off. I then reached out to the company SunBit in reference to these apparent allegations of me owing. I was told an account was made in a different state I do not live in and this was clear identity theft I would only need to wait till the department handling these type of inquiries was available. So I waited called back and started an investigation for identity theft. The company Sunbit tells me my claim has been denied and I have asked on a multitude of occasions how what information was used to come to that conclusion. No one responded to the email. No contact after informing me they would continue to charge me for something I never even signed or purchased. I need original sales contract with my signature and proof that I was identified before the creditor even used my ssn. I need your help CFPB I need them to be held accountable for these actions and a remedy for this situation so that my credit score does not continue to suffer because of it. I have over a 700 at every bureau except on XXXX which this company seems to be reporting this false information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: ENOVA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
While attempting to collect a debt, Netcredit called me every day violating my rights with harassing phone calls, until I was forced to implement a cease and desist. At the moment, a court case of XXXX XXXX  Netcredit is in the Floirida court system as XXXX is pursuing NetCredit for XXXX  in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Nelnet, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account Name : NelNet Account number : XXXX I am sending this letter in response to a letter you sent me on XX/XX/2023. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you.

Please provide me with the following information : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe.

4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired.

6. The method of communication you used to verify the information.

7. Requesting that full account numbers are revealed for the partial account number being reported.

8. A valid, legible copy of the agreement stating the debt and interest charges. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Home closed my {$1000.00} credit card in good standings, due to inactive use however this card was closed in XXXX ( according to the customer service representative ). I was never advised that the card was going to be closed, or that it was even closed I had to call in to see why my card wasnt working. When I opened the credit card I was told that it will stay open and I do not have to continually use it throughout the year, however the phone representative told me I have to make a home purchase every 4 months to keep the card open, which is weird to me. So now because they closed my account that was in GOOD standings, its going to drop my XXXX XXXX. The representative on the phone said that I would have to resign up for the card which will also have a hard credit pull on my account which will drop the XXXX XXXX again. I have credit cards that I have had open for years - that was never closed, I shouldnt have to make a purchase every 4 months just to keep this open.

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 2023-05-27
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX deleted this debt from my credit report but it is still on my credit report showing negative remark.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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.

15 USC 1681 Section 602 Stated that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: SANTANDER HOLDINGS USA, INC.
State: MO
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Westlake Services, LLC
State: CA
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 Wilshire Consumer Credit over 6 times and I have sent XXXX emails. I have disputed this acct on XXXX twice. I have even supplied XXXX with the payoff letter. This acct as of today XX/XX/XXXX still has a balance and once again my XXXX dispute was not in my favor. The company states I still have a balance. This was paid off in 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 explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-27
Company: DISCOVER BANK
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:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I filed my first dispute letter in XX/XX/2023 with all 3 bureaus, CFPB and FCRA 2nd dispute in XXXX with XXXX XXXX XXXX XXXX my personal information was exposed by the credit bureau in the past a complete violation of my privacy and rights several of the accounts are reporting need to be deleted a few of them are older then 7 years old need to be deleted also in accordance to the fair credit reporting act I have a right to privacy a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 602 A ( 602 A section 2 ) 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 7 years

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 2023-05-27
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
After my initial payment for a XXXX month loan an XXXX withdrawal for an XXXX months balance was initiated for the XXXX payment leaving a balance of {$28.00}. Upon calling Lendumo I was informed an online request was made to change my password and request the payment. This was stopped and Lendumo could not tell me the XXXX  address and I must receive a phone text with access code to access the account. I would like the FTC to investigate these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The US Dept of Edu claimed to have provided XXXX and Equifax with an update of the accounts they report. I am requesting for XXXX and Equifax to provide me with a copy of the update or AUD they received from the US Dept of Edu for XX/XX/XXXX and XX/XX/XXXX The following student loans have been reported to the credit bureaus with inaccurate or lack of information. 
Account # XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: IL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 explanation
Consumer complaint received 2023-06-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-05-27
Company: EQUIFAX, INC.
State: CA
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation