BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Paramount GR Holdings, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a XXXXXXXX XXXX XXXX and upstanding citizen. My wife and I wanted to bring about positive change to our environment. Set a good example for our children. We wanted to be a part of change and ensure economically we would see some benefit down the road. We purchased an electric vehicle that has now been lemon-ed and purchased solar panels whom we believed to be a reputable company due to their relationship with many large organizations like XXXX. 

Goodleap  formerly Loan Pal was the lender for XXXX XXXX formerly XXXX XXXX XXXX. 
This lender is a predatory lender by definition, as they were continuing to provide loans and funding for services that were under investigation by a company that was being reported to them consistently. They continued to lend at higher rates than the market average and continued to allow XXXX XXXX staff to manipulate data to push these loans through. They performed no safety or secondary accountability measures that would be expected for a loan of this size. 

When the Attorney General of XXXX  stated for consumers to stop paying, they then reported our account to our credit agencies even after disputing the account, my excellent credit history has now been significantly damaged. 
I am now ineligible for certain career options I was attempting to inquire on. 

My system is still not functioning as detailed when contracted. Our system is considered a fire hazard as it was built inside the home without the required fire wall and equipment necessary to ensure the home is protected from damage. 
There is damage to our roof. The batteries are no longer producing as expected. 
XXXX XXXX XXXX XXXX has declared bankruptcy, therefore their warranty is now non-existent, which per the contract is supposed to go to Goodleap, and yet they are continuing to state they are not responsible for getting our home safe and will not settle the debt with us, so we can use our own funds to ensure our home and family 's safety. 

Meanwhile, XXXX has a role in this as well, as their equipment is faulty and they have done very little in ensuring this is addressed appropriately. 

We are stuck with a loan for equipment that is not safe, has brought damage to our home, and has not saved us any money on our energy consumption or costs. 

It was only after stopping payments as advised by XXXX  Attorney General, that they finally sent someone out to look at our system. However, we then agreed to pay in hopes of getting our system fixed or a settlement as even XXXX whom they sent out already stated it was not up to fire code, and could not fix the issue we were having. 
They still submitted notice of non-payment even after we paid to the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Truist Received a promotional offer that stated if I opened a new account and deposited at least {$1500.00} into the account, I would earn {$400.00} for this account opening. 
Promo code : XXXX On XX/XX/2023, I opened an account online. A few days later, I received a letter in the mail dated XX/XX/2023 ( day after I opened the account ) stating they closed my account. I called the main customer service line asking why the account was closed. The customer service representative stated that I needed to go to a branch location to show my ID for verification and the account will be re-opened. 

I went to a branch location on XX/XX/2023, but unfortunately, a banker was not available to assist me. 

I went to the branch location again on XX/XX/2023 and the banker pulled up my information and verified my ID but stated that he could not reopen the account but he could set me up with a " new '' account. I was confused at this time why he couldn't reopen but allowed him to set me up with another " new '' account. I made a deposit of {$1500.00} on this day. I asked about the promotional offer and he stated that he placed the offer code on the account opening. 

On XX/XX/XXXX, I received an email from Truist stating : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' On XX/XX/XXXX, I called the customer service department and was transferred several times before an individual was able to explain to me that the original account I opened online was deemed the " NEW '' account and the second one I opened in the branch did not qualify because it wasn't a " NEW '' account. The customer service representative mentioned that she sent my information for an exception but still haven't received the promotional offer nor a status update.

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 2023-10-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
A 20 % discount was marketed on the first purchase for an approved credit card application. I applied and was declined at the store in error. My credit is immaculate so I called XXXX and was told my application was indeed approved. I was marketed a discount and declined in error- never received my discount and had a hard credit bureau hit for the sole purpose of redeeming the 20 % off a large purchase. I did what I was asked to do to receive the discount ( opened up a card ) yet never received 20 % off a {$220.00} purchase because I was communicated by the associate that my application was declined, when it was actually approved. I would like my {$44.00} refunded which is the discount I would have received if the card was not incorrectly declined at the store, while all the while actually approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; 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 2023-06-15
Company: American First Finance, Inc.
State: PA
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 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 purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC  id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not my loan. This loan is XXXX 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

has violated my rights. Or list of inquiries 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 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 2023-06-21
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX Velocity Investments had a group call with multiple people they were collecting debt from. They went in round-robbin fashion openly asking everyone how much they could pay per month. Although I agreed to a $ XXXX payment arrangement for {$3600.00} I felt pressured in the situation. 
A week later the same month ( XX/XX/XXXX ) Velocity did the same thing with another group of people, this time with another account they acquired somewhere totaling {$7400.00}. This time I specified I was unable to make any arrangements in addition to the one already in place for the other account. It was agreed that I would contact them to make payment arrangements when my financial situation permitted. 
I've been paying the first account each month since XX/XX/XXXX on the first account. 
On XX/XX/XXXX, I was deposed by Velocity regarding the second account. Under oath, I explained my situation once more, mentioned the existing payment agreement, clarified my financial situation had not changed, and said no when asked about working for a named company I hadn't heard of. Velocity 's representative at the time said they would let their client know about the information given, but the situation would remain the same ( I could continue to pay the first account and would reach out when I am able to make an arrangement about the second ). 
On XX/XX/XXXX for unknown reasons Velocity filed a motion to garnish wages from a company I do not or ever had any association with. This means they also handed my information to an uninvolved 3rd party without my consent. It was also the first time I became aware any action regarding this lawsuit was taking place.

The motion of garnishment was withdrawn by Velocity in a special set in XX/XX/XXXX. The same day of the most recent court date and in the following weeks I've now been phone calls from various numbers multiple times a day, no voicemails are made. It simply feels like harassment at this point.

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 2022-07-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Homeowner posted his house for rent on XXXX. He gave a very convincing report about himself, his family, and circumstances for not going through a property management company. He told me I couldnt have a look inside the house because current tenants didnt want to be bothered but I could explore the outside of the home. I went around the neighborhood and multiple neighbors confirmed his identity as the owner. We went back and forth for a week by email and I asked him to video chat to confirm his identity but due to family circumstances, he could only call me to provide me information on the rental. He said his lawyer would meet me with the key once I had paid security deposit but could hold off on first months rent until prior to XXXX. We signed a lease and I paid security deposit to his accountant XXXX XXXX via XXXX. He asked me for first months rent a month prior to the lease date stating his later insisted I pay prior to move in based on the contract. I explained to him about our agreement over the phone and he agreed to hold off on first months rent until prior to move in. At the end of XXXX, I tried sending money to his accountant but it errored so I reached out. He said there was an issue with the account and to send the money to his secretary XXXX XXXX, so I did. He gave me a phone number to reach him. I called in the evening but it didnt have a voicemail so it kept ringing. On my last payment date, he asked me to send an extra {$1000.00} for small repairs on the house and I declined stating that he could use the security deposit I paid last month. I never heard from him after that despite multiple attempts to call and email. I called the initial number he called me from and the number he gave me. The number he provided goes to a design company that doesnt have anyone by XXXX XXXX working there. The initial number rings until it goes to voicemail with no identifier. 

Fraudulent rental : Security deposit sent ( {$2500.00} ) via XXXX through Citizens Bank app : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} First months rent : XX/XX/XXXX- {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} On XX/XX/22, I called my bank and they told me they couldnt do anything because the payments had already processed. They were not able to give me any other information about the recipient except names despite telling them it was fraudulent and I was going to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: SC
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I want the account removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an in-person branch deposit at Bank of America yesterday ( XX/XX/XXXX ) of a XXXX courtesy check. The teller processed the deposit, and handed me a receipt which indicated Hold Codes and explained part of the balance would be available XX/XX/XXXX ( Hold Code A - " A standard hold was placed on your deposit to help protect you and the bank from losses in event the check is returned unpaid ), and the remainder XX/XX/XXXX ( Hold Code D - " A hold was placed on your deposit because your deposited checks totaled more than {$5500.00} in one day '' ). ( Image attached ). This was expected, as I've used courtesy checks in the past.

Today, I received an email stating that " specific information indicates item may be returned '' and that now they're holding the entire amount until XX/XX/XXXX. One day after the check is required to post. 

It is a XXXX check, and there is nothing that would indicate the check " may be returned. '' That wording would fit with two options on the Hold Codes ( Letters G and L ), but neither were applied to my particular deposit. 

The front of the check clearly gives XX/XX/XXXX as the date by which the check must post. I need the check to post by that date in order to have the 0 % APR, ( which I'm still paying {$600.00} to do ). The BofA customer service representative ( s ) I spoke with claimed that the post date ( now, apparently, XX/XX/XXXX ) could not be changed, nor could I cancel that check, although I was the one who wrote the check. If the check posts to my BofA account after XX/XX/XXXX, I will be subject to XXXX 's variable 16.40 % fee.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The inquiries are unauthorized and need to be REMOVED from my credit file immediately XXXX XXXX Account name 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 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 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 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 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX privacy laws state confidential information such as transactions, history utilization and statements are excluded from XXXX XXXX XXXX Please delete cease and desist XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief