BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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:
Equifax refuses to update my credit score to reflect what it was before XXXX falsely reported I was 30 days late. XXXX corrected the information with Equifax, but Equifax refuses to correct my score. They have been provided with the correct information, but refuse to correct my score. This is entirely Equifax 's problem. Equifax needs to correct my score to where it was prior to XXXX issuing the adverse information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the beginning of XX/XX/XXXX I realized I had two accounts reported as outstanding collections on my credit report. The collection agency is Portfolio Recovery Associates. I contacted the collection agency and requested verification of the two debts. I was sent a letter for each account saying I owed the amounts they showed. A letter stating I owe the debt is not verification of the debt under the Fair Credit Act. I have written to Portfolio Recovery Associates and requested these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
See attatched USAA XX/XX/2019 STATEMENT ( OTHER CREDITS {$2.00}, XXXX ) Summary Account Activity KINDLY NOTE TOTAL CREDITS ( APPLIED ONLY {$910.00}. ) USAA REVERSED {$2.00}, XXXX as ** New Purchases I did Not Authorize and that ARE NOT NEW PURCHASES. NOT TRUTH LENDING. USAA DID NOT APPLY TEMPORARY CREDITS ( USAA REVERSED ONLY CREDITS APPLIED WHICH ARE MERCHANTS CREDITS ) XXXX XXXX CREDITS REVERSED XX/XX/XXXX *NO USAA TEMPORARY PURCHASE ADJUSTMENTS EVER APPLIED AND WHAT DID APPLY FROM MERCHANTS WAS REVERSED. KINDLY NOTE Summary of Account CLAIMS {$2.00}, XXXX NEW PURCHASES I DID NOT PURCHASE OR AUTHORIZE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since

I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.

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 2016-11-03
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
ACS has not been in contact with me consistently since I needed to start repaying back my loan. When I contacted them, they had the wrong address and updated me on payments. When I called to make my first payment, I was told I qualify for a cancellation, all I had to do was fill out a form and get a paper from my principal that said I was a XXXX at the school I teach at. I mailed in the documents and I was denied. I was then told I needed documentation that was on an official letterhead head, an official seal, & the date signed. I got that paperwork and heard nothing back until I received more documentation two weeks later saying my loan was going into collections. I called and immediately threw a fuss because I had done everything they asked. They told me in order to get it worked out, my principal needed to specifically state " XXXX, '' I protested by saying that no place in America has " XXXX '' teachers and me having to do that was unnecessary. I went back to my principal a third time and requested that pointless piece of documentation and sent it off. I thought I was in the clear until today I check my mail and see that again I am denied because the date on the documentation was incorrect. I am being harassed and threatened. I am being made to feel like I have something to hide and that who I am is not adequate. I have spent the last five years earning XXXX degrees and the amount of titles I hold XXXX would show I am clearly XXXX and an important one. I have been belittled and chastised by ACS and disregarded for. Their communication is lacking, and their flexibility is none-existent. If anything, it seems as though they want me to not go through with this process although I was advised to. Not to mention, all of the information they require is verified by the state. All of my credentials and positions are public record yet they refuse to take that initiative. I am using this time to file a complaint and contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
received a targeted email regarding opening a consumer checking account. met the terms but still haven't been paid the promotion as of today XX/XX/2023.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: PA
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2021-12-13
Company: EQUIFAX, INC.
State: PA
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My dispute was sent on XX/XX/XXXX and by law XXXX XXXX XXXX XXXX XXXX has 30 DAYS to respond yet these chose to ignore my attempts and request for validation. They also FALSELY made statements that the Debt Validation I requested on XX/XX/XXXX was sent to me however that is FALSE. Til this date I have YET to receive ANYTHING from this company yet on XX/XX/XXXX almost 60 DAYS later they responded. Violation # 1. Violation # 2 if they so called sent validation why wasnt it updated to the CRAs that the accounts in question where disputed. Yet they chose to report the accounts late every month to the CRAs. Violation # 3 your company is attempting to collect on an outdated debt. The state of limitations has expired yet you continue to report it MONTHLY to the CRAs. As of XX/XX/XXXX the accounts remain on my credit. Please remove YOUR tradeline and cease all collection activities before I am forced to seek legal action against your company for continuing to violate my consumer rights and KNOWINGLY reporting false information to the CRAs in an attempt to destroy my credit worthiness. You have 15 days from receipt of this notice to REMOVE and DELETE my information from your company records and remove your information from ALL my credit reports. This notice serve as my FINAL notice before litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NM
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:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: ACIMA CREDIT, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a small business owner and went on a vendor/wholesalers website to purchase items. I was told we could get credit with Acima and make payments on items we purchased to SELL in our stores. I made 2 purchases and one was {$870.00} and the other was {$470.00}. So Acima stated this is rental property and would have to pay {$1700.00} for the first and {$950.00} for the second. I reported a loss of income due to being sick and I missed the early purchase date. Then I was told I could not sell the merchandise until I made all the payments. I asked how am I to make money if I could not sell the items I purchased in my store and why was I being charged so much. I contacted the original owner and she stated that is why she stopped using Acima because of their deceptive practices against her customers. Acima told me I could return the merchandise but I will lose all the money I have paid so far which is almost {$2000.00}. The merchandise will be out style and out of season by the time i ma done paying off the lease. I think this is predatory lending practices due to the price and then they keep changing my payment amounts and how the take the XXXX from my account then lie and say they havent changed it but they have. The products I have, have already depreciated in value because they have been sitting there so I am paying on products that i will not be able to sell and i will be out of over {$3000.00} in the end. The products arent event worth {$3000.00}. I think Acima lending practices are a totally rip off and I want my money back or my lease end at hos much the product is worth when I acquired them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America completed my loan modification on XXXX XXXX, 2013 after taking 31/2years. Bank of America faiked ro bring my loan current hnder the terms if the modifications and also failed to brring my escrow account current undsr the terms if the modification. Bank of america has refuses to correct their fraud after many many certified requests. Bank if America has also failed ro report my loan accurately to all XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: SCOTTRADE BANK
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Bank XXXX XXXX sent the payoff on XXXX trucks to Blvd Bank, XXXX XXXX Loan Operations Department, on XX/XX/XXXXThe Cashier 's Check was cashed on XX/XX/XXXXBank of XXXX nor I received a lien release on my XX/XX/XXXX Chevy XXXX. When inquiry was made to XXXX XXXX Loan Operations area, they stated they are waiting for the file??? 
This truck was paid off XXXX days ago with a Cashier 's Check. There is no reason the lien release should not be sent out. I do not understand a bank operations area that can be that dysfunctional. This is totally unacceptable financial practice for a financial institution. Where is the fiscal responsibility?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: GOLD KEY CREDIT, INC.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical bill at XXXX XXXX Hospital was paid to the caregiver by my insurer but the hospital mistakenly reported the bill as unpaid and sent it to collections at Gold Key Credit, who refuse to remove this incorrect information.

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 2015-10-22
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Its been 10 days and counting that Rushcard left me with no access to my account. To make it worse the put my direct deposit into a card that was reported stole three years ago. I went to pay my bills and everything was rejected, My car ins cancelled. MY car pmt is due soon. MY cell phone is about to shut down and that not all I have no money and the gas in my car will last probably 2 more days. I believe that this company was hacked and they are lying about the accounts being fixed. I computer glitch does not take 2 weeks. Customer service number keep hanging up. I was following twitter to see what is going on. Rushcard says if you send a direct message that someone will call. I did that 3 days ago. 2 days I get a text saying someone from rushcard will contact me shortly. I have not heard anything. They keep posting that the problem is fixed, but I 'm still locked out of my account. I lost XXXX paycheck and money I had saved. I managed to changed my direct deposit to another account, but they are holding a lot of money, that no one know when it will appear. 
they also saying that he lost the money in investments, that rushcard is about to close and that in a couple of months we will receive all our money in a form of a check. I wanted to go to school in XX/XX/XXXX and I needed to hold my seat before the end of this week. Well that is not going to happened. I gon na miss out on going to school.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31
Company: RSI Enterprises, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Empowerment Ventures, LLC
State: VA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
I received a RUSHCARD in the mail this week. I did not apply for the card. I 've tried contacting the folks at Rushcard XXXX and they insist they ca n't close the account unless I provide my date of birth, social security number and Email address. I refuse to give them this information. I will only release my full name and the card number. How do I get them to close my account without providing privacy act information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
15 U.S.C 1681 Section 602 A. States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
1

5 U.S.C 1681 Section 602 A. States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.

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 2016-11-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I made a payment for {$10000.00} against my private student loans with Navient ( originally XXXX ). My goal was to make a dent in the principle and continue to make the minimum payment to help reduce the amount of interest I was being charged. However, once I made the payment, my bill was being sent to me with a monthly payment of {$0.00}. I contacted the servicer and was told that even though I made a {$10000.00} payment directly toward the principle, they were going to treat it as if I paid my loan ahead and bill me {$0.00} for years until the {$10000.00} had been utilized. I saw this as a tactic for them to collect more interest by me not making any additional payments toward the principle. Therefore I continued to make what I was told over the phone prior to making the payment my minimum payment would be. However, when I reviewed my file, i saw they were applying my payments to interest instead of the principle. I called again and they said even though I had a {$0.00} balance every month, they were still billing interest on the remaining balance on the loan and applying my extra payments to the interest they accumulated that month first instead of the principle. I requested that if i have no required payment every month then I wanted my payments applied directly to the principle and was told No.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been contacting the California Business Bureau and received a reply that shows they are requesting x2 an amount of a debt collection that was taken out of my record due to it being a duplicate. I wrote a complaint about how they have not been returning my emails or calls and in their response they said they had been contacting me and I haven't been responding. This is UNTRUE and DECEITFUL for this agency and they are trying to collect a debt that isn't the amount from my records. I have spoken with the hospital involved from where my debt originated from, and they replied with the number and address of a DIFFERENT debt collection agency XXXX XXXX XXXX XXXX XXXX than this one and also with a different amount requested. I would like clarity and transparency in what I need to pay off and to what company I should pay it to to get it off my credit report. Neither companies have tried reaching out to me which I believe it to be because of this COVID-19 pandemic occurring but that does not give them a right to straight up lie about them trying to reach me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation