BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
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:
In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
: I have been receiving my survivor benefits through Citizens Bank since 2013 on the third Wednesday of every month. I received two separate payments on the same day for XXXX. As of XX/XX/XXXX I did not receive them. On that day I reached out to Citizens Bank CUSTOMERService and that is when I was told that Citizens Bank closed my account without letting me know so I couldn't make the proper attires to change over my information with the IRS to direct deposit to another account. When I was on the phone with Citizens Bank I was then told my account had been closed and my money was returned to the US Treasury. So I contacted SS and I then received a letter a week later saying that my money was deposited to my account and never sent back. So again I contact Citizens and had someone tell me that they don't have any record of the deposits. I finally found the recovery department number. Which I finally got somewhere with. That was 3 and 1/2 weeks ago. I just called again. They said that check processing still hasn't sent it. I am now livid. This affected my bills and how I live. It is my only income. Something needs to happen. That Bank has communication issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: LTD Financial Services, L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was checking my credit report and saw that on XX/XX/XXXX a debt in the amount of {$790.00} was posted to my XXXX credit report. The original debt collector is listed as XXXX XXXX XXXX XXXX  for XX/XX/XXXX. I have attached a document that shows the XXXX recording of the error on pages 7,9,11,12, and 13. I have never done business with a company by that name. I have no idea where this charge came from. It is not my charge. I never received written notification about the debt.I would like this erroneous debt removed from my credit report. I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX, Business Phone : XXXX, and LTD FINANCIAL SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX for fraudulent charges and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On at least XXXX previous occasions, I request Scottrade cease and desist communicating with me via email and other methods of communication, citing State Unsolicited Email Law, and Federal Debt Collection Practices, yet Scottrade has failed to acknowledge these email and has sent me another email, in violation of numerous State and Federal statutes.

Company response to consumer: Closed
Consumer complaint received 2020-08-08
Company: Experian Information Solutions Inc.
State: OH
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 disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with XXXX Experian and XXXX  and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2020

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX FST XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-10-22
Company: Empowerment Ventures, LLC
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a new customer at rush card and i cant access my direct deposit. I called and I got through nd was told my money was on the card and when I went to the ATM I could not access my funds. I called back and was told when the system come back up I can get my money but it has been 10 days since the system went down. I have still no been able to get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07
Company: WELLS FARGO & COMPANY
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:
I already reached out to the credit bureaus ( XXXX and XXXX ) and to WF/XXXX  and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, Credit Limit, Date of Last Payment, Date Last Reported, Date Open, and Comments are inaccurate. In addition, A charge-off should show a XXXX balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2017-05-01
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold from  XXXX  ( whom I had no issues with ) to a company calle d Loacare. I have tried to make my payment online and they refuse to take it! I wanted to do payments onlin e as it 's easier and the woman I spoke with when my loan was transferred stated it was easy and no problems. My payment is due today  XXXX   XXXX ,  2017 . I paid it online on  XXXX   XXXX ,    2017  at approximately  XXXX . I have an email they sent stating that it would be processed but they have not processed it and I should n't have to pay late fees. I called them numerous times only to be disconnected. The reviews for this company are all horrible and I 'm very frightened they will try to take my home. I tried to see if I could refinance with another company but I do n't qualify as I do n't have enough equity in my home. Please help! Someone needs to do something bout this crooked company.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX have fraudulent late payments on my credit profile that need to be removed 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 2016-09-29
Company: BlueChip Financial
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been receiving several phone calls for several months from an XXXX XXXX regarding a Spotloan from the internet. He calls from different phone numbers but the latest phone number he called me from was XXXX. He is leaving very deragatory messages. He keeps calling my husband at work and on his work phone and has been told to stop. He has cussed at my husband on the phone, he has cussed at me also. He has left messages lying saying to call back regarding our property, and that he will find us. What does our property have to do with the loan? He has directly asked my husband " who wears the pants in the family '' and saying that my husband needs to force me to give him the money for this loan. He has also said that I need to look in the mirror and see that I am the problem as to why we are drowning in debt. He told my husband that I am fraudulent person and will be going to jail if he does n't pay my debt. This XXXX XXXX is a horrible person and needs to stop harassing us. He calls at all times of the day and night. Please make him stop!

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 2015-12-08
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RSI Enterprises has not reported a payment I made in XXXX of 2014 to the credit agencies and this has affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Empowerment Ventures, LLC
State: IA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fees

Complaint:
There 's multiple issues above that affected my abilityto use my RushCard such as the inability to view mytransactions, perform card to card transfers/movemoney from my RushGoal to my main account and deduct moneyfrom an ATM. The primary reason for these issues was dueto a " glitch '' with the website while performing an updateand scheduled maintenance. Consequently, I wassubject to temporary remove my direct deposit and amreceiving paper checks. Due to this change, I 'm now being charge {$100.00} late fee from my rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Rushcard is not giving me access to my funds. And my account is showing a negative balance. It 's been weeks. Customer service has hung up on me numerous times after I was on hold for over an hr each time I 've called. I finally got through and was told they had no idea when I would get my money. I 've filed email complaints and received XXXX different " ticket numbers '' and have n't gotten a respond in over a week. Basically I 'm not getting any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On this account I made my request for validation, which I have not received response by the corresponding processes, if the agency does not have the necessary documents to prove I m obligation on it shod be removed from my credit reports under FDCPA 15 USC 1692g Sec. 809 ( b ) can not keep unverifiable data in credit bureaus, also they violate the FCRA Law passed 1970 I request 1- What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3- Provide me copies of any papers that show agreed to pay what you say I owe 4- Provide verification or copy of any judgment if applicable 5- Identify the original creditor 6- Prove me the statute of limitation has not expired on this account 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}

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 2016-01-18
Company: DriveTime
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Even after I made a partial payment they immediately continued calling me every 30 minutes starting at XXXX until XXXX. While I am still making my weekly payments I just missed one payment but continued the rest and they wo n't stop calling me.I am still paying them every two weeks. Then when I do contact them they are n't willing to help. They say that they ca n't reach me well pretty soon they are going to get me fired from my job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: ACS Education Services
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am trying to contact ACS Education Services about deferring my loans while I am on a XXXX XXXX. I believe my campus based loans were Perkins loans, but I need to verify that and where to send the forms. Over the last month, I have sent two emails that went unanswered. Today I tried twice to call and stayed on hold for 30 minutes or more each time. There is no estimate of how long the phone hold will be. I would like to be able to contact ACS Education services in a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, AXXXX, Bankrupticies, Source Receivables violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX reported to the Equifax that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my Consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Said I was 30 days late for a bill or payment XX/XX/2016. 

I was not late or at least tell me what bill was late!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MI
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 is both falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I filed chapter XXXX bankruptcy in XXXX XXXX, XXXX. I completed chapter XXXX bankruptcy in XXXX XXXX XXXX. After chapter XXXX I did a mortgage loan modification with XXXX XXXX Mortgage. I started a new loan on XXXX XXXX, XXXX up until now. The dispute I have is that all major credit bureaus are reporting my mortgage loan information except for Experian Credit Bureau. I have disputed this item with Experian Credit Bureau and have let them know XXXX XXXX is reporting my information to them and they response is that XXXX XXXX is not reporting my current mortgage loan to them. I have repeatedly since XXXX XXXX, XXXX have asked to investigate and they repeatedly is blaming XXXX XXXX Mortgage. This is hurting my credit score and preventing me from getting credit from other lenders.

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 2015-09-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
I called American Express to report my prepaid debit card lost and stolen when I last used it at XXXX XXXX to report that someone made a fraudulent charge for {$9.00} and American Express never returned the money back to me but thought I was responsible for the charges that were made on my card, even though I reported my prepaid debit card lost and stolen, but American Express thought I was responsible for the fraudulent charges in my prepaid debit card and they wo n't pay me the {$9.00}, that someone charged on my debit card, probably because I have a hard time keeping track of my prepaid debit card and I loose it and they have reimbursed me in the past when I have reported my prepaid debit card lost and stolen. But now, they are stealing my money and they wo n't give me back my {$9.00} and that is why I am filing a complaint to get the money that someone stole in my prepaid debit card, when I asked them to send me a new one and they are rude to say they do n't want my business anymore. And I violated a terns of conditions agreement all because I was always asking for a prepaid debit replacement card and they have no proof or evidence that I did that charge and I want them to give me my money back, otherwise I will report them to the news media for terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed away 18 months ago. I applied for hardship on the mortgage due to a drop in income ( it was approved by PNC ). My payment is due on the XXXX. I pay it on the XXXX, in person because that 's when Social Security comes in. I get call from their collectors on the XXXX, XXXX or XXXX saying I 'm late and that they will foreclose on me. It 's always paid by the XXXX and never in a default stage. I 'm XXXX and I think this is harassment. 
They even call on the XXXX after I made the payment on the XXXX. They do n't check!!

Company response to consumer: Closed with explanation