BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IN
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:
There was a bank merger between XXXX XXXXXXXX XXXXXXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. 
This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The two fradulent accounts are charge-off credit card account ( XXXX ) from XXXX XXXX XXXX  in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so.I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.

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 2021-01-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from Experian saying I have a credit increase, when I tried to login the account belong to someone else. This is breach of someone else credit information using my email to login and reset the person password. This should not be happening, someone else could have my information sent to their email with the same issue.

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 2017-04-18
Company: TCF NATIONAL BANK
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This falls in line with the previous complaint made and my recent dispute of the solution provided by the lender ( #  XXXX   XXXX . I received a call on  XXXX  during which I told the Customer Service person that  XXXX  has assured me that all future communication from them would be in writing to which her response was " we do n't have a do not call list ''. She pushed for me to give the detail of when the next payment would be made which and the amount which I gave. On  XXXX  I received another call with this VM "   XXXX   XXXX    I  am giving you a call AGAIN, letting you know I still have your file, we only have a limited time to get this matter resolved so it is important that you call me back today. If not, there 's a possibility that a decision will be made on your behalf that is NOT in your best interest. I 'll be here unti  XXXX   XXXX   XXXX   ... ... ... My name is  XXXX  with  XXXX   XXXX  ''. My payment was posted that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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: Problem with personal statement of dispute

Complaint:
They claims to not have the information to verify my identity. I have sent copies of my birth certificate, drivers license, social security card and a copy of a bill that shows my current address. I have sent this information on several occasions. I have spoken with someone at equifax to verify my identity. I ask for copies of the original documents that were filled out when the account was opened. They respond with, we can't verify your identity. At the same time, they send me letters telling me that they can settle the account for a reduced amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Due to illness, I cancelled a trip that I paid for using my Chase Visa Card. This card provides travel insurance in case of illness. I submitted the claim for {$7100.00} on XX/XX/2022 and promptly supplied all of the various requested documents to Card Benefit Services which manages the claims process. I called and emailed a dozen or so times and have been advised that no additional inform

ation or documentation is required from me, but the claim is still being processed. It appears that Card Benefit Services/Chase Visa makes every attempt to delay or not pay claims, perhaps hoping that some people will give up on chasing their claim payment.

Card Benefit Services has arranged their claims review and processing to be as difficult and time-consuming as possible. Contacting Card Benefit Services to inquire about the status of the claim payment results in a run-around response, with no other avenue for a claimant to obtain a proper response or satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC has committed multiple US Code violations against I, the consumer. LVNV FUNDING LLC has also committed identity fraud by opening an account in the consumers name without prior validation and verification of debt pursuant to 15 USC 1692g. LVNV FUNDING LLC is in violation of 15 USC 1692e stating false and misleading information. LVNV FUNDING LLC is actively reporting to the credit reporting agencies and allege debt account that has not been validated per 15 USC 1692g. LVNV FUNDING LLC failed to be clear and conspicuous with their method of debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12
Company: GOLD KEY CREDIT, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Today XXXX XXXX XXXX around XXXX in the morning I decided to check my credit due that I had certain plans on mind when I was able to see my credit report I was concerned to see a debt collection and also certain hard inquiries which according to the report the original creditor of this collection was XXXX XXXX XXXX XXXX XXXX XXXX, and the collection agency is : XXXX XXXX, XXXX ( XXXX ) XXXX surprise me due that I 've been living in Georgia since XX/XX/XXXX and I have my apartment lease contract as a proof of this, I immediately contacted the Federal Trade Commission and my local police to solve this issue all this documents will be provided I would appreciate the help to solve this problem directly with the debt collector and also to solve this issue with my credit report because this is very unfair and frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be removed immediately until the investigation is over.

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 2021-01-09
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Is my second attempt to communicate to this creditor. this debt from XXXX XXXX is not mine. This previously disputed account that was REMOVED from my credit file. 
Has simply been renamed or purchased by a different COLLECTION ageny in an attempt to fraudulently collect this UNVERIFIBLE DEBT. I demanded picture confimation showing this debt was mine and was not provided. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, While some were removed others have simply sold the debt and is now reporting again. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

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.

Southwest Credit Systems - Account # unknown The above accounts 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 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Advance financial is really taking advantage of people who are poor and uneducated about their practices. 

Many of us that have to borrow money temporarily to make ends meet would sometimes turn to loan sharks like Advance financial not knowing that they have compound interest and daily charges that makes the person unable to pay in the long run. Sometimes an individual may end up paying up to three times the total amount borrowed and there is no clarity to lenders about the expected charges. This company keeps people in perpetual financial bondage. A person desperate for funds would seek their help thinking that it would ease the stress but they compound on the overall issue. 
I am wanting to make complaints about Advance Financial Unclear Rates to uninformed consumers and their unauthorized bank drafts that puts consumers in a bind. They are not regulated well and have access to peoples accounts while being fraudulent. 

This service can charge a person more than {$35.00} or more a day in interest to someone who had no idea. Then when they set a minimum payment that only clears the interest while the principal is growing and interest is compounded. It should be unlawful to be that cruel to the unsuspecting. In addition, they set up stores at locations where poor and uneducated people usually live and they make it their goal to lure customers. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
PLEASE NOTE, THIS IS NOT A DUPLICATE COMPLAINT. I'm sending this complaint regarding this issue FIRST TIME. 
I '' M NOT USING ANY THIRD PARTY FOR THIS REGARDS. 
I have also sent complaint regarding this issue to GENERAL ATTORNY. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX BANK XXXX XXXX XXXXXXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX ; XXXX BANK - XXXX XXXX XXXX BANK - XXXX XXXX XXXX BANK - XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or 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 explanation
Consumer complaint received 2016-05-05
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is a formal complaint against Gold Key Credit. INC. 
XXXX, XXXX Contact Information : XXXX I obtained my credit from XXXX XXXX on XXXX. I notice a small charge that 's being reported only to XXXX. I called the toll free number & the lady was very rude. The balance being reported is exactly {$14.00} XXXX. I asked why was this small amount being reported she stated it used to be a much bigger bill but my insurance must have paid the amount all but {$14.00}. I asked how to resolve the small balance and she would not answer how to pay the told me I had many more debts on their account which is not true. I 'm looking at my credit report right now and {$14.00} is what is being claimed. I do not owe this debt and want it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief
Consumer complaint received 2022-10-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
It's possible the representative I spoke with is out of the office, but they have been incommunicado for almost a week. I was promised a refund of the {$24.00} credit balance on my rewards card, but moreover, I was promised my account would be reviewed for reopening if I provided proof I did not request the stop payment. XXXX reviewed my call and confirmed I never asked the rep to put a stop payment on the account, only asked about an NSF fee on an old checking account. I sent over XXXX documentation where they explicitly state this, but I have not heard back. I should not have my account closed over {$44.00}, one that I have been a very good with since 2018 amounting to total amounts around {$100000.00}. This is especially true where I was not the one issuing the stop payment. I was the one actually trying to manually make payment! The bank was the one erroneously stopping payment, per their letters sent to Synchrony.

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 2015-10-30
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: Payroll card
Issue: Advertising, marketing or disclosures

Complaint:
Rushcard did a maintenance update and locked everyone out of their accounts for 2 weeks and it is still going on at the moment. Cardholders have not had access to their money such as direct deposits, money loads, and XXXX. Contacting the company is hectic and you will be on hold for hours or just get hunged up on. They say they do not know when the system will be back up so that people can access their funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio XXXX did not address that the debt owed to XXXX XXXX was charged off on XX/XX/XXXX. Florida law has a 5 year statue of limitation. Portfolio XXXX did not state this in their response. The first time that Portfolio XXXX contacted me was XXXX of XXXX. That is 8 years after the debt was written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-03-15
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, I repaid the full balance of my consolidated federal student loan to Acs/XXXX XX/XX/2016. I have my original loan note, proof of payoff, congratulatory letter of repayment and proof of interest schedule showing I paid off my loan completely. However after many calls to ACS has not updated showing the loan as paid in full. Actually there are erroneous notes applied to my credit report saying that ACS filed with the federal government to have the insured amount of the loan repaid by the federal government to ACS. However I paid my loan in full. I believe it is fraudulent of acs/and XXXX to try and collect money from the federal government when I paid off the full balance ACS reported my loan as Negative/closed. However they need to change their notes to Paid in full /and closed on my credit report. The information on all credit reporting agencies have remained incorrect for over 12 months. My credit continues to suffer because they have not reported the paid in full status properly on my credit reports. Although I had been late on my loan prior, due to the lender not working with me on a payment structure, and divorce, I refinanced my home to pay off the full debt I owed ACS/XXXX including all interest owed.

Company response to consumer: Closed with explanation