BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Credimatico LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was in a tough spot back in XXXX and decided to try a payday loan. With bad credit I didnt have much of a choice with the situation I was in. I was told that the XXXX loan would be paid off in XXXX payments and i went ahead and agreed. As I was signing the paper work online, they stay on the phone with you to encourage you to complete the paper work. On XXXX of the forms I saw the fee and payment schedule and it had a total of XXXX payments but i was told there would only be XXXX. I asked the guy on the phone and he said thats in case I needed to extend my loan, so again I asked, if i dont extend, then its getting paid off in XXXX payments correct? The guy said yes. Red flag but being desperate, I wanted to belive the guy so continued signing. I never extended the loan and ended up paying all XXXX payments. I took it as a life lesson. Never do business with these type of places. The final payment as per the agreement was deducted on the XXXX of XXXX. Today XX/XX/2022 I was hit with a " late payment fee '' of XXXX and was told i had called in on the XXXX to make that payment arrangement. Not once did I call them to make any arrangement. Everything is auto debited so there was no need for that but still a parting random additional fee was given. All the lady XXXX XXXX could say is that she spoke to me on the XXXX and there is a note. XXXX XXXX. If they did this to me, I know they are doing it to others. they say calls are recorded but still wont go and check to prove I hadnt called. Disgusting company who takes advantage of someone in a bad spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXX I sent a set of dispute letters out to all three credit bureaus. I received my letters back from the other two and got 31 out of 59 items removed. Some of those same accounts were also on my Equifax. However, when I reached out to Equifax after the 45 days in XXXX they said they hadn't received anything. I sent another set out to all three credit bureaus this time certified XX/XX/XXXX. The tracking number stated that Equifax received them XX/XX/XXXX at XXXX XXXX. However, when I called them in XXXX after the 45 days they stated that they haven't received anything from me, and that they haven't received any letters from me since XX/XX/XXXX. This was even after I told them that I tracked it and etc. They refuse to provide me with my credit report updates and continue to state that they hadn't received it. I couldn't find the tracking paper but I did save the tracking number below our pictures of the tracking number as well as a picture showing the time and date that they received my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the fall of 2018 I noticed that my PC Richards store card had purchases on it that weren't mine. I went into the store and complained and an employee told me that someone used my social to make the purchases. I was upset because they did not require photo ID to approve this transaction and left me with the balance. The employees at the store were of no help so i went to the police to file a report. I was in Florida when the fraudulent purchases were made in New York. I showed the officers my flight itinerary and I was advised not to pay a dime given I didn't make any of the purchases. Now the account is in collections and the balances has risen. they contact me over the phone and send me mail each month.

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 2023-11-16
Company: ROBINHOOD MARKETS INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood : I can't withdrawal funds since my account is restricted. Which I was never told the reason it is restricted. It has been restricted XX/XX/XXXX. It is supposedly takes them 7 to 10 days to review my account. This is day 8 and I just tried to withdraw {$120.00} from my account and its states Error Account withdraw disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Receivables Performance Management, LLC
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2023-05-17
Company: Experian Information Solutions Inc.
State: MO
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 been ruthlessly targeted by identity thieves, and I am filing this formal complaint to address the outrageously fraudulent information infesting my credit reports. It is important to note that the following items have absolutely no connection to me, and I vehemently declare that I have neither benefited from nor authorized any transactions involving them. The XXXX, Experian, and XXXX Credit Bureaus have displayed a shocking disregard for the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by recklessly perpetuating unverified information without presenting any semblance of proof within the legally stipulated timeframe. This relentless and unauthorized reporting is an intolerable violation. Provided below are the specific items currently polluting my credit reports : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. As an afflicted consumer, I assert my unequivocal entitlement to accurate and just credit reporting. Regrettably, it is abundantly clear that the credit bureaus have flagrantly failed to fulfill their obligations in this crucial matter. The presence of fraudulent items on my credit report not only tarnishes my credit score but also severely hampers my ability to secure much-needed credit opportunities.

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 2021-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern, I'm filing a complaint against Experian credit reporting agency on their bias scoring system. I have an exceptional payment history. I keep my debt ratio under 9 % but they will not raise my score at all but if one of my balances increase just a slight amount my score drops 10-20 points. I'm XXXX american so I feel the system is bias towards me given my exceptional payment history.

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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-11-15
Company: A-L FINANCIAL CORP
State: CA
Product: Credit reporting 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:
My name is XXXX XXXX, Originally financing a vehicle threw AL-Financial a few years ago. I ran into financial hardship more than half way threw the loan. 
I ultimately had my vehicle repossessed. 
They sold the vehicle and I had a balance of XXXX left from loan. 
I now see on my credit report they have been doing hard inquiries on my credit every month for years now and will not stop. 
They are stopping my family from purchasing our first home and its frightening please help us. 
-XXXX XXXX Reporting AL-Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received at my physical address some advertising mailers from some attorneys who represent consumers who have a lawsuit filed against them by a creditor. The case number was on the mailer and I contacted the XXXX XXXX Court and they told me all they had was the summons, complaint filed by the entities attorney, etc, but no documentation. I have no idea who this Jefferson Capital Systems , LLC is and when I looked them up online, I learned they are some kind of debt collector. I tried contacting the number on the website and all I get is an IVR prompting me to enter an account number. As I have no idea who these people are and can't seem to get into contact with them, I ask that the lawsuit would be dropped. I am not claiming a debt I don't know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After opening a checking account online my son and husband needed an account to deposit unemployment benefits into until they could set up their own account. When their benefits were deposited into my account in XX/XX/2020 Suntrust closed my account without notice and will not release the funds. I have turned in documents that they requested but now those arent sufficient enough for them because they need them notarized. We are in desperate need of the {$1800.00} Suntrust has been holding since XX/XX/2020. Ive left numerous voicemails for XXXX XXXX with no call back.

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 2023-05-01
Company: EQUIFAX, INC.
State: MA
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following : 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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I submitted complaint XXXX on XX/XX/ and still have not received a response from the company. Ive reached out to XXXX XXXX at ( XXXX ) XXXX ext XXXX and never receive an answer or a callback despite leaving several voicemails. She also never responds to the email XXXX since sending the email acknowledging my dispute on XXXX XXXX XXXX  I called prepaid services and they told me that the response was sent to the wrong address, which was the basis of my initial complaint and the reason for claims XXXX and XXXX in the amount of {$15.00}, XXXX. They were supposedly resending to my proper address, but I have yet to receive it or the requested documentation used for the denial or any of my statements. Case XXXX should be reopened because its clear fraud occurred and that the bank is still erroneously sending my information to the XXXX XXXX XXXX XXXX address. The guy living there now luckily had not thrown it away and I was able to get photos of the letter and completely disagree with the decision. Please, credit my account for the disputed funds or I will be seeking remedy through civil court. This is my final attempt to resolve this issue outside of court. And please stop sending my account and personal information to an address not associated with my account or my unemployment claim in any way!

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 2023-05-01
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law XXXX, Equifax, and XXXX has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : DISCOVER BANK XXXX, XXXX XXXX XXXX and XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of 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 2021-12-06
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:
I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX 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 has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-03
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 did not consent to, or authorize nor benefit from any of the following accounts and information. I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief