BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act Us Dept Of ED/XXXX  Account XXXX 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 15 U.S.C 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 2019-07-19
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received this e-mail on XX/XX/XXXX at XXXX from XXXX threatening to search and seize my home and property, I am not sure exactly who this came from, it could be another agency who has purchased the debt or a pure scam but this is a clear violation of the FDCPA : CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$750.00} After numerous attempts to reach you we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly. 

Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. 


The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized. 

Note : You will be contacted by your local county authorities. XXXX XXXX XXXX XXXX  is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences. 


NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation. 

XXXX, Restitution Head XXXX. 







XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
X/X/14 {$610.00} bank of america someone opened a bank account using my name and written bad checks causing me to get into 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 2017-09-09
Company: EQUIFAX, 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:
Breached my data and is requiring me to wait until X/XX/17 over a week, before providing any attempt at resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Mountain Run Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Mountain Run Solutions purchased a discharged debt from XXXX. The debt was discharged XX/XX/XXXX in bankruptcy court. Mountain Run has been made aware of debt several times via email XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail from my attorney. Mountain Run Solutions reported date opened as XX/XX/XXXX ( post discharge ) which is not accurate and deceptive, this company has refused to comply with discharge orders and continues to report to credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to XXXX XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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 convergent accounts -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX XXXX XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple documentation to prove that I am a victim of identity fraud I later received A response from TransUnion that the account come back verified after I sent them my Ftc report and police report the information should have been blocked and removed from my credit report before the investigation started I have disputed multiple times with Transunion and XXXX XXXX XXXX  XXXX and XXXX has already removed the fraudulent account XXXX months ago I have submitted a new police report and a new FTC report related to the fraudulent account I have consulted with my attorney general office of the consumer protection division I also complained against TransUnion and I have consulted with my attorney TransUnion will have 30 days from the start that I send in my documentation again or I will file a federal lawsuit in their state with my attorney 's office also the account was fraudulent with a balance of {$440.00} opened XXXX XXXX 2019 I am attracting a new police report filed with my local Police Department and also a ftc 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 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Social Finance, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
SoFi XXXX offered a promotional bonus to convert from their " Money '' account product to their new " Checking and Savings '' accounts. The bonus terms require direct deposits totaling > $ XXXX within 30 days of the account conversion for {$300.00}. I satisfied the direct deposit requirements but have not received my bonus. 

XXXX : I receive a marketing email about the bonus and save it as a PDF XX/XX/XXXX : I navigate to the promotional terms as shown on their website and save it as a PDF before enrolling XX/XX/XXXX : I convert my " Money '' account to " Checking and Savings '' XX/XX/XXXX : I receive a {$4600.00} direct deposit from my employer ( XXXX ) into the account XX/XX/XXXX : I receive a {$4200.00} direct deposit from my employer ( XXXX  ) into the account XX/XX/XXXX : Having still not received my payout, I contact their customer service via " Live Chat '' and am told : " SoFi XXXX members who previously received a bonus for enrolling in direct deposit do not qualify for this promotion ''. These terms were NOT present at the time I enrolled in the bonus- they were retroactively added by SoFi well after my enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with CREDIT ACCEPTANCE CORP. I have always made my payments on time yet there was a 30-days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX  XXXX XXXX with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my XXXX  credit report. 

Negative Accounts : 1. XXXX XXXX  XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} on XX/XX/XXXX, 3. XXXX  / XXXX XXXX - {$1300.00} on XX/XX/XXXXXXXX, XXXX, 4. XX/XX/XXXXXX/XX/XXXXXXXX XXXX A {$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX A {$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX, 6. XX/XX/XXXXXXXX XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX 13. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX 15. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.

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 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
We had been working through financial problems with XXXX XXXX XXXX and had just paid off a settlement of our Bank of America card ending in XXXX. The settlement amount agreed upon by Bank of America was {$14000.00}. The settlement date was XX/XX/2022. 

XXXX XXXX XXXX paid our two cruise refunds, {$6200.00} and {$5800.00} ( totaling {$12000.00} ) into this credit card ( ending XXXX ) on XX/XX/2022, just before the card was closed but the cruise refund was paid in just prior to closing, and the bank kept the refund. 

Bank of America had agreed on the settlement amount of {$14000.00}, which was paid to them a month prior to the refund being paid into the card but they also took the cruise refund of {$12000.00}. 

We are hoping that it is possible to get the {$12000.00} back from them and paid into our bank account. 

Can you help? I have all the emails and the settlement letter.

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 2017-09-09
Company: EQUIFAX, 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 am writing because Equifax mishandled my personal information including my Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. They confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
Equifax has put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They did not notify me of this breach. I heard about it on the news and then found out how to discover if I was an affected party by a post on social media.
Futhermore, Equifax is attempting to profit off of their negligence by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. When the trial periods end ( and the data that was breached is still vulnerable ), Equifax will charge money to " protect '' the information of the same people whose data they irresponsibly left vulnerable to attack.
These injured parties are also subject to hidden terms of service that waive their right to sue the company if they do avail themselves of the " trial period. '' There is also evidence of criminal negligence/fraudulent behavior with the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: SC
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:
Equifax did not secure its network and now my financial information has been compromised. No aleet until weeks after an had to hear it from the news. Not sure why this company should even get my information and then tries to scam me with credit monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
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 fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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