BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello, I opened a complaint with your agency, case # XXXX, XXXX XXXX XXXX 
I signed up for credit repair services ( The XXXX XXXX XXXX ) and IdentityIQ services to monitor the changes, TWO days ago XXXX again hit my credit report with TWO MAJOR DEROGATORY items. I asked them to help me and XXXX refused. They have hacked me and hacked me to tears, I am trying to take steps forward and they are pulling into the ocean to drown. I have XXXX they can not offer a decent refinance loan to get them away from me because they are steady HITTING my credit report. I AM DONE!!!! either they close this off my credit or I am going straight into the XXXX XXXX with a lawyer supporting me. I am sick and tired of harassment. With my salary I could not afford to pay them!! I faced more hardship in the XXXX in 62 years than the XXXX XXXX  coming into XXXX have faced and as an XXXX citizen, I CANT GET HELP AND I PAY TAXES EVERYDAY??? Really XXXX??? The XXXX XXXX wont even answer my mail, he is RICH generating XXXX of computer NUMBERS. Well I am going to call on my higher powers even take this to national television!!!

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 2017-06-01
Company: Big Picture Loans, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good afternoon, I applied for a loan from big picture loans as I was in need to pay bills and a student loan. I was approved for {$400.00} and the {$400.00} was deposited into my account on  XX/XX/2016   .     I believed I had fully understood/accepted the terms until I was able to see The Truth in Lending disclosure, which was not visible/available until after I accepted this loan. It showed an APR of 887.4203 % and that the total repayment amount for my { {$400.00} } loan would be { {$1800.00} } I had not been informed of the 887 % interest rate on the loan, and I was told there would be a { {$140.00} } finance charge, not { {$1800.00} } in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.     There was a finance charge of {$140.00}, the {$140.00} ( amount slightly decreases until end date ) would be taken out each payday until the loan was satisfied at a 887.4203 % interest rate, or the loan could be paid in full at once for a total of {$540.00} ( {$400.00} loan amount + {$140.00} finance charge ) I have since paid more than what I rightfully owe, now totalling in the amount of {$1000.00} funds were take out on these days :  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  =  XXXX  I am looking to have my obligation fulfilled since I have paid the initial loan amount back ( {$400.00} ) and the finance charge ( {$140.00} ) = {$540.00} I am financially no longer able to sustain paying this loan as it is too much.     If possible I would like a refund of overpaym ent ( {$480.00} ) but  would gladly take just a clean break/account considered paid at this point if a refund can not be granted.      Big Picture Lo ans will not work with me on either request, all they have done is postponed withdrawals of the finance amount from a account, which they will now no longer do as well.     If you can assist with having my account closed w ith Big Picture L oans I will greatly appreciate it.     Thank you for your time.       Big Picture Loans ( or known as Red Rock Tribal Lending,  LLC d/b/a CastlePayday.com ) co ntact info is :  XXXX .  XXXX   XXXX ,  XXXX , MI  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Receivables Performance Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection on my credit report from Receivables Performance Management. I was not aware of this collection until a review of my credit report inXX/XX/XXXX. This collection is from XXXX XXXX XXXX. By the way, I currently have service with XXXX XXXX XXXX. InXX/XX/XXXX when I paid the bill that 's being reported to my credit, it was paid to XXXX XXXX XXXX not Receivables Performance Management. I have no contract with this company nor any knowledge of this debt being reported to any outside collection agency. I 've made multiple attempts to get this agency to remove this collection, but now when I call them, they tell me I have to speak with a manager, place me on hold for extended periods of time and disconnect the call before I 've even spoken with anyone. I would just like this collection removed and I am making this complaint as I 'm not getting assistance dealing with the Collection Agency.

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 2017-06-01
Company: Experian Information Solutions Inc.
State: FL
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 tried contacting them numerous time and told them this account does not belong to me, all they do is give me an address to mail a dispute letter and never get a response. this is negatively effecting my account, as i am trying buy a house and this is only negative account on my file.

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 2022-04-26
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I receive multiple phone calls from this third party company multiple times throughout the day which is a violation of 15 U.S. Code 1692d. I asked this company to validate the debt multiple times via phone. As a third party company they are not able to produce any contractual legal obligation and/or evidence proving that I owe that company anything. They also offered a discounted amount which is a violation of 15 U.S code 1692d ( 4 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am coming straight to you because I have been the victim of your entire previous page list : I had to best choose inaccurate info because the underlying theme BEYOND XXXX breach they did not notify me about, or the XXXX application fraud I filed with FTC yesterday : the furnisher of incorrect information on 2/3 credit reports, as well as government and courts is lexis nexus. I will hand write all my disputes to them after I leave XXXX XXXX IL police dept tonight. I have had unemployment fraud, triple charges for numerous single purchases- no hotel when I show up to my air bnb with a child in Arkansas XXXX Ive had XXXX XXXX caution me against complaining to XXXX when fraud occurred. There is this attack on my reputation. 4 years of full time employment at XXXX, a professional driver- I look at my reports : all I see is employment from over 7 ago, numerous old financial marks- wrong address in XXXX NY & Wrong SS # ( XXXX ). XXXX has a phone number for XXXX XXXX NV as my contact. Every package I order comes with the wrong phone number on it, or I get charged 2-3x. XXXX had a data breach and is the only correct, XXXX XXXX report. This happened a few years ago also, all at once I dropped XXXX pts and an onslaught of claims over 7yrs old that I had to spend hours disputing. This time its just XXXX application fraud, XXXX pt drop and wrong name spelling, state, SSN, phone number And they call themselves legal aid? Lexis Nexis has furnished this incorrect information making me look like the falsely unemployed, false insurance patient with neurological doctor visits that I never had- As well as all the other falsities they have on me. What does XXXX PD have on me? What does XXXX XXXX PD have on me? Cuz they have me connected to someone who lives in both those states, 1 with a different ssn! I am afraid that I will be arrested or show up with XXXX tickets and XXXX warrants!! Or XXXX loans. They need to correct my information because they furnish the sensitive, critical personal information- why is it wrong? This is day XXXX of my life ignoring my child to deal with no pay and drama so I hope this gets straightened out and I dont get arrested at the XXXXPD tonight. I have placed a freeze on Lexis Nexis file as well as all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2016, Credit Protection began reporting a collection account for XXXX XXXX in my name. They have it listed that my delinquency began in XXXX 2016, yet that I was still paying in XX/XX/XXXX, when they began reporting. The inconsistency in the dates alone seems to point to an error in their system. Whether in accepting collection accounts, or in reporting them. I have attempted to dispute this collection account with them, as I should owe nothing to XXXX XXXX, but they have continued to verify it as accurate. They also never informed me of the collection in writing, so I was unable to dispute it before it was able to tarnish my credit. It has been a year now and the account is still negatively affecting my credit score.

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 2017-06-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a call from a women claiming to be reporting fraud. She goes on to say that someone has opened a credit card under my name and social. I respond with " I have n't applied for any credit cards for citi bank ''. She goes on to say that she need to verify my social number or go to their web site that I cant recall. I told her " I will not give you my social ''. She then say to go to the website she provided and call for myselft with  XXXX  as a reference number.   I disregarded the website she gave me and went directly to citi banks website, and as I expected there was no trace of anyone trying to open a credit card under my name or social. The scammer was calling from a  XXXX   XXXX  area code and the number is  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 2021-11-17
Company: On Q Financial
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Q Financial has reported us XXXX days late on our mortgage. We have resumed payments after our forbearance back in XX/XX/2021 and have not missed a payment since. This has negatively impacted our credit. We are XXXX scores and are dropped down to the XXXX. Secondly we are still waiting for a final statement from XXXX XXXX regarding the closure of our forebearance as well as an updated and corrected balance. On XXXX puts us through massive phone trees when we call in and when we leave messages for higher ups we never receive a phone call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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:
Experian, This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {$1000.00} for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a {$1000.00} fine per violation. 
Items to be deleted immediately : XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXXXX/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 2022-04-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase made from Ashley Furniture ; particular furniture was to be back ordered XXXX months. To date ( approx 1 year ) furniture has not been received and an amount of XXXX had been held on my account. Calling Synchrony Bank has not helped and they have told me it will take 90 days to dispute and that they have no history of this transaction.

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 2021-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX  has a XXXX XXXX XXXX XXXXXXXX account for my name with a XXXX, XXXX  address, and I have never live state XXXX, know zero about this account collection, and have repeatedly try speak XXXX  XXXX, and they indicate since late XXXX, XXXX, 2021, that if not my account that fraud close account and cant reopen, and they frequently hung up telephone results credit collection agency, and try correct this all credit bureau, and my credit score which already correct XXXX and XXXX, and indicate remove XXXX  address from my credit file account bureau, but experian wants this further information to correct my credit bureau report inaccurate account and nothing to do me state XXXX, and our only legitimate address XXXX  and 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 non-monetary relief
Consumer complaint received 2021-11-17
Company: Ashton & Weinberg, Inc.
State: MA
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:
A company I own had a service provided by a vendor. That vendor had an unpaid bill from my company ( ~60 days ). The vendor made no attempt to reach us to resolve the matter and utilized the services of Ashton & Weinberg to attempt to collect their debt. When reached by XXXX XXXX of Ashton & Weinberg, on XX/XX/XXXX and notified of the uncollected invoice of the vendor, the payment was immediately made by our company ( same day XX/XX/XXXX ). At the same time, Ashton & Weinberg made a hard inquiry into my personal credit information, despite the fact that this debt was for a company that I am part owner of. I have made multiple attempts to reach via phone and email to the offices of Ashton & Weinberg to ask that they remove/revoke the inquiry into my personal credit file, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a {$75.00} promotional card issued by XXXX through MyPrepaid Center. The card is marked " Award '' in small font with a " Valid Thru '' date in smaller font. The expiration date is less than six months from the issue date. I am trying to access my funds the but the card is expired so the their system won't even recognize my card. 

I tried calling the company, but their phone system does not have any option that leads to a real person. 

The short expiration of the card, combined with them preventing me from speaking with a real person, plus the formatting of the card is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Empowerment Ventures, LLC
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX  - M y Milita ry   XXXX   direct  deposited into  my Rush Card account. On  XX/XX/XXXX  I logg ed on to check my balance and noticed transactions ( some pending, some completed ) that I did not recognize. I attempted to make contact with the company and resolve the issue. I could not determine the complete phone number of the merchant, so I contacted Rush card. I was unable to talk to a representative, just a recording that asked that I request a form be mailed out to me to report the fraud. I requested the form and then searched the internet and found a customer service email to report the unauthorized transactions ( emailed included ). The response was to call the  XXXX  number again. until I searched the internet and found an alternate customer service number. O n  XX/XX/XXXX , I  finally made contact with a rep, when I accessed my account to review the amount for the charge and the merchant, I discovered  XXXX  additional purchases totaling {$130.00}. The rep was unable to tell me how to resolve the issue, how to block the fraudulent charges or how to recover the money taken. I transferred my funds to another card and blocked access to my card. I contacted Rush card again on   XX/XX/XXXX   and was told by a rep that there have been  XXXX  additional charges that have been attempted to the card. Had I not taken personal steps to save my remaining funds, I would n't have any money left. It has been over 30 days and I have not received any communication or attempts to recoup the funds or replace my money taken by fraudulent means that I made the company aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am told today speaking to XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX and that he received my fax of the XXXX XXXX deed and XXXX  deed that I told him each appeared to be by XXXX XXXX and he agreed. Then I told him this is my loan and that I were conned by XXXX XXXX to move out around XX/XX/2008 and that one of his visits that he claim that he purchased the house for XXXX from XXXX XXXX he called the XXXX Police whom have since investigated and were produced an XXXX contract. 

I told him that XXXX is my XXXX loan and he said this is XXXX XXXX, I SAID I KNOW BUT XXXX XXXX SAYS HE BOUGHT THIS HOUSE FROM XXXX XXXX A LIE. 

Mr. XXXX was aware and I told him the one thing I have asked them for a XXXX times are the transaction and the title in which no one can produce including their attorney XXXX XXXX sent me by email that all the Judges prior decisions are the clear title. Mr. XXXX said that YES, XXXX XXXX has the clear title and we can't proceed on any transaction without clear title. I said well I been begging your clients to see the clear title and transaction and they all say that the XXXX deed is the clear title. You said the you don't agree with that and that you will mail me this evidence clear title and proof of the transaction before XX/XX/2008. I ask you could you also send copies of this to my complaints to the XXXX # XXXX and XXXX # XXXX AND YOU SAID THAT YOU WOULD.

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 2020-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit bureau is showing an incorrect address as my previous address : XXXX XXXX XXXX XXXX, OR, XXXX I have never lived at this address, therefore please delete it.

Company response to consumer: Closed with explanation