BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022.

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 2023-08-05
Company: DOLLAR MUTUAL BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've called before and no one follows through. Our mortgage is with Dollar Bank servicing center in XXXX, OH. We are in year 5 of a XXXX XXXX Bankruptcy. We made a partial payment of {$900.00}. XXXX XX/XX/2023 and on XX/XX/2023 paid {$440.00}. This was supposed to be added together to make XXXX XXXX payment. I spoke with someone at XXXX XXXX branch and someone at customer service over a month ago. Still no one has applied the payment. I made another payment on XX/XX/2023 for {$1300.00}. That was for XXXX 's payment. on XX/XX/XXXX, another payment was made for {$1300.00}. for XXXX 's payment. These last 4 payments are sitting in 'unapplied funds ' and not credited to my account. They are saying, 'It 's a sensitive issue and we need to proceed slowly '!! I am stressed out over this. It seems when I did the partial payments in XXXX, it threw off the whole account. They have my money, but not distributing funds. I have receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, 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. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry 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 2019-10-01
Company: Experian Information Solutions Inc.
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 DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.

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 2023-01-21
Company: EQUIFAX, INC.
State: CO
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Central Portfolio Control Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$5800.00}.

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 2021-03-09
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: ROBINHOOD MARKETS INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood let someone transfer {$5500.00} out my account XX/XX/2021. Individual had there bank account attached to my Robinhood account because she had owed me money I forgot to remove persons account from mine. She had gained access to my account and transferred {$5500.00} from my account to hers. Robinhood wouldn't let me access my account for 4 months. Once I finally was able to see money was gone they refused to do anything about it. This is a individual account as Robinhood does not offer joint accounts. Money was transferred to a chase bank savings account. XXXX XXXX  said they have no problem returning the money but Robinhood has to initiate the process. Robinhood refused to do anything. I'm out {$5500.00} XXXX XXXX  said Robinhood should get my money returned any other bank would. Robinhood is a bunch of criminal fraudsters. Don't trust them with your money. I will upload pictures where transactions kept getting declined my account should have been froze for suspicious activity but instead Robinhood rejected the transaction about 10 times then finally decided to let it be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempting to collect a debt from accounts that I never opened have never paid a single time and know nothing about. They are really old and they keep renewing the collection even though I have attempted to contact them and explain that it was not me and how it couldn't have been me. I don't think they looked into it at all because they thought that I would pay it just to get rid of it. There's no way I will pay a debt that is not mine. I take care of the ones I do owe and that's enough for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2020 I submitted the following : I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened! 

On XX/XX/2020 I received an email ( which I have attached ) from Equifax Information Systems ( apparently I should have addressed it to " Equifax Inc. '' but how would I know the difference between Equifax Inc and Equifax Information Systems?? ) that said " This complaint lists someone the company does not recognize as their customer 's authorized representative ''. Then its goes on by saying amongst other things that the company let us know that it can't respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information??? What is this all about??? I filled out the information and as the oversight committee to make sure criminal companies such as Equifax aren't screwing me over by listing items on my credit report that are not mine. 
I have followed the FTC.org instructions that give people like me some direction as to what to do when I feel like i've potentially been a victim of identity theft because of several data breaches including the BIG ONE EQUIFAX. I sent this information via 2-3 day express as well as added a copy of this complaint to the list of items that the FTC 's guidelines tell me to send in the mail via USPS. These documents were sent in on XX/XX/XXXX which was a day or 2 after I submitted my first complaint to the CFPB. 

Who has told you that Equifax said I am not a consumer of theirs??? I have attached the proof that I have been a victim of this Data Breach as well as the email that I received stating what I have said above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX A " XXXX XXXX '' called and my son regarding case number XXXX and threated to go to my place of work to arrest me. They used my married name. There is nothing in my credit report that applies to the debt they are claiming. I don't know what it is regarding. I was contacted on XXXX with a similar call and no threats. The company was LVNV Funding LLC over a debt from XXXX in XXXX. I have never had anything in collections from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NJ
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Credit Plus Inc
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was working with a mortgage company named, XXXX XXXX. That company did not obtain my authorization to run my credit again on XXXX and XX/XX/XXXX, far outside of the initial 30 day period of our mortgage application. Because it was outside of that 30 days these 2 credit pulls very negatively impacted our credit scores by more than XXXX points. I tried requesting that they politely remove these inquiries. At first, they agreed to. Then they changed their minds and refused to. They have only spoken with my wife over the last month and have never spoken to me. Not once. I have proof that it was their inquiries that destroyed my scores by way of my membership to XXXX and the subsequent alerts that come with that subscription. The company has written back and claimed that their score " simulator '' is more accurate and that the inquiries are shown to be inconsequential. They have also stated that my permission is implied through the application I filled out online on XX/XX/XXXX but I never saw or read anything about MULTIPLE HARD INQUIRIES more than 30 days apart. I've been through the home buying process before and I know what is entailed and I've never seen a company do anything like this before. They have put my wife on the verge of a nervous breakdown. All for a pre-qualification that we never even got. And now we are left with credit scores so bad we can't even qualify for a rental for another 3 months and they REFUSE to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didnt know that the credit card company had put the account in collections until it showed up on my credit report. I later received a letter from Midland collections agency about the debt that they took over from XXXX XXXX XXXX  of XXXX. In the debt letter it stated that the debt was from XXXX XXXX and the only option it gave was to pay the debt. The information on the account details were inaccurate because the XXXX XXXXXXXX account has been closed for over 5 years. In the letter the charge off date was XX/XX/2020. Midland credit should not have been able to start collections on the account because the account is barred by the statute of limitations for North Carolina. Midland credit also did not acknowledge in any of the letters I received from them that I could dispute the debt. I have disputed this collections account since it was put on my credit report and it has not been removed. I asked for verification of the debt and have yet to receive it. Midland credit also increased the balance owed to XXXX which caused my credit score to drop even more because of this unlawful collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Every time their charge me fee for payments or discounts to my deposit and in the end their close my account for it.

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 2023-11-07
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yesterday i tried using Afterpay for the first time since my fianc has used it in the past. I had an XXXX dollar spending limit to use at stores. I was going to use the full XXXX on XXXX  as i submitted the order something happened and took me back to the home page. Mind you when i went to put the order in on XXXX i made sure to log into my XXXX account so my shipping address etc would be there. Anyways when i submitted it it brought me back to Afterpay home page, i received an email stating my order for XXXX was approved i was charged my XXXX out of XXXX payments of XXXX dollars. So i refreshed my email and never got a order confirmation from XXXX. I went back to my XXXX XXXX and everything i tried ordering was still in my cart, first indication the order did not go through. Ive reached out to after pay Ive been waiting over 24 hours for a response this company doesnt have a phone number for customer support you have to do it via chat through their app. I finally got fed up and messaged them on XXXX. They told me to call XXXX again i called XXXX XXXX times and each time they told me NO ORDER WENT THROUGH lastly the order i tried placing was XXXX items and on after pay shows XXXX items so something right there has just been messed up. So how can this company start charging me for an order that was never placed and confirmed last order was placed in XXXX not XXXX. Afterpay is real sketchy and i want my XXXX XXXX money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: MicroBilt / PRBC (formerly CL Verify)
State: MT
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. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation