BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had filed forbearance on XX/XX/2020 for COVID-19 coronavirus relief. It was approved by Flagstar and mortgage company. Now we are receiving letters that we should pay immediately back to back amount estimated XXXX Dollars. My business was directly affected by this virus and I would like to use this forbearance until coronavirus subsides and business restores fully.

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 2018-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is for Equifax, XXXX and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on Equifax website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: World Acceptance Corporation
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XX/XX/2023 Dear Sir/Madam, I am writing to formally dispute an item in my credit report that I believe to be inaccurate. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following item ( s ) on my credit report : Creditor Name : XXXX XXXX XXXX  XXXX ~ XXXX XXXX XXXX XXXXXXXX ~ XXXX I have reviewed my credit report, and I believe that the information provided above is incorrect and should be rectified. According to the FCRA, it is the responsibility of the credit reporting agency to conduct a reasonable investigation within 30 days of receiving this dispute letter. 

I kindly request that you : * Conduct a thorough investigation into the disputed item ( s ) mentioned above. 
* Provide me with written results of the investigation. 
* Remove or correct the inaccurate information from my credit report, if found to be inaccurate. 
* Notify me in writing of any changes made to my credit report as a result of this dispute. 
* Please be aware that the FCRA obligates you to inform the furnisher of the disputed information about the nature of my dispute. I expect you to adhere to this requirement promptly. 

Section 605 of the FCRA covers the rules regarding the time periods for which certain adverse information may be reported in consumer credit reports. Specifically, it governs how long negative information, such as late payments, bankruptcies, or tax liens, can remain on a consumer 's credit report. 

Section 1681b of the FCRA governs the permissible purposes for which consumer reports can be obtained and used by various entities. It outlines the circumstances under which a consumer reporting agency can furnish a consumer report to third parties, such as creditors, employers, and landlords. 

Thank you for your assistance in resolving this matter. Please contact me at the address or phone number provided below should you require any further information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I RECENTLY PULLED MY CREDIT REPORT OVER 1 MONTH AGO FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES OR ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME.I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

SO I WOTE A LETTER On XX/XX/XXXX to Transunion. I NEVER RECEIVED A RESPONSE. I called multiple times but no one helped me. 

My letter was sent over 30 days and I have not received a response yet. it is by law according to the FCRA that these unauthorized hard inquiries be removed. 

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) The law states that If you are unable to verify the inquiries with the original contract, the information should be removed from my credit report within 30 days. 

Here are the unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2020-08-12
Company: ZWICKER & ASSOCIATES
State: WA
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 disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 XXXX  accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted Zwicker & Associates whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, XXXX, and Zwicker & Associates yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both XXXX and Zwicker & Associates directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: WA
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:
I have tried so any times to dispute this claim, but i see no action or improvement on my credit report. please, List of company, XX/XX/2020 experian, 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 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Trans Union has dropped my credit score over sixty points in XX/XX/2018 for reasons unknown to me, they are completely lopsided from other credit reporting agencies, I have not been given a satisfactory reason for this, I am still using credit on a regular basis, I'm just not applying for any credit cards or using any of their offers, I wouldn't be so concerned if all the credit agencies were closer on their findings or for the fact that I dropped so many points at once with this agency, there is over a sixty point difference from XXXX, I would just like to know why it dropped so much so fast. 

Thank you, 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
Consumer complaint received 2023-08-01
Company: DApps Platform, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX ( the Fraudster ), who involved me in making deposits for a total amount of XXXX CAD from my Trust Wallet account to a fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi my name is XXXX XXXX and I have been trying to dispute a charge for my payment of XX/XX/XXXX. I scheduled the payment to be withdrawn from my account. On XX/XX/XXXX, XXXX XXXX XXXX has withdrawn {$680.00} from my checking account. On XX/XX/XXXX, I get a call from Ally saying my payments did not go through and I have statements from my account proving that the payment was successful. How do I go back getting this resolve so it would not effect my credit score and account. Thank you.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, TN CHILD SUP : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2019-09-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In part my issue is resolved but not to my complete satisfaction. 

We initiated an agreement with XXXX XXXX in conjunction with Synchrony Bank for an interest-free loan on a {$4800.00} purchase in XXXX of 2019. 

As you know such contracts, when a payment is late, often contractually are allowed to begin charging interest. 

Unfortunately, such banks often make XXXX year- olds like myself a victim of their bureaucracy through arcane rules and sometimes traps for the unwary. 

Because my spouse pays bills on the XXXX Synchrony does not recognize the payment for that month because their billing cycle begins on the XXXX. 

They were fine with removing the penalties when I call in but the whole thing smelled fishy and I asked for a hard copy of the correct payment window and was told by a supervisor 'no letter exists ' which I find highly suspicious. I asked if a letter could be written and was told by a senior account manager it wouldn't happen. 

Senior citizens, I believe, are being abused by their policies every day. 

Thank you for your interest.

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 2015-07-03
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle thru Ally financial entering a retail installment contract on XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau and U.S Department of Justice investigate Ally 's auto financing business. And Based on the investigation the government agencies claimed Allys pricing and automobile dealer compensation system resulted in minorities ( to whom I am an XXXX ) paying higher interest rates than XXXX customers. 

Ally did not admit to these allegations but agreed to enter a settlement with the government agencies in XXXX XXXX. 

In XXXX XXXX and XXXX XXXX Ally financial reported my account 30 days late and 60 days late to the XXXX major credit bureaus XXXX, XXXX, and XXXX. 

This not only hurt my credit but also financially as ally was allegedly charging me a higher interest than XXXX. So when I finally refinanced the above vehicle loan with my local credit union XXXX XXXX. I owed more on the vehicle than if Ally would have charged me at a lower interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/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 non-monetary relief
Consumer complaint received 2021-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts that appear in my report were not authorized, they do not belong to me, please review them Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CREDITACPT Account Number : XXXX This is not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2019 I sent a validation of debt letter to XXXX XXXX because I noticed an erroneous reporting from them. I received a response back from the company, that stated I owed the debt and that it was validated. I received a print out of charges and also a contract that I DID NOT fill out and my social security number is CLEARLY missing from this alleged application that I completed. 

In response to the companies erroneous report, I sent an additional letter On XX/XX/2019, letting them know that I have never heard of their company, done business with their company and advised them that I was certain that they did NOT own an athletic club. I asked them when did they started running an athletic club and ask them to provide me the dates and times or video footage of m XXXX working out. 

Furthermore, on this alleged contract, it DOES NOT state in any capacity that I agreed to pay any interest on any debt owed.

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 2023-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
I am have a bank of america credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my bank of america to XXXX  XXXX, someone created XXXX  XXXX  account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to bank of america now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now bank of america is not helpful at all. When bank of america need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. 
At the time when i know some {$10000.00} cash advance i contacted bank of america XXXX right away when it was just in processing state [ if bank of america have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. 
Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so bank of america is the only one who need to resolve this as i am bank of america customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my bank of america credit card cash advance.

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 2023-03-24
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the collection account with Credence Resource Management on XX/XX/2023 through XXXX website. I stated, I had no knowledge of the account, in which I received no communication from the debt collector before adding it to my credit report. XXXX has given the debt collector my address which I did not consent to. I will be filing a complaint with the Federal Trade Commission. 

Credence did not notify me by mail that they were placing a collection on my credit report nor did they give me the right to dispute or provide Validation. I know this because they did not have my address.They are in violation of The Fair Debt Collection Practices. This is also my second time going through this with XXXX. They have not been able to send me anything that proves I owe this debt. ( See attached CFPB report ). Until Credence can prove this account is mine, with a signature from me on a contract, the account needs to be removed Immediately or I will file a complaint on them also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: OR
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX account.

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