BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Genesis FS Card Services, Inc.
State: MD
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:
As a result of a previous issue with a fraudulent credit card company, my score dropped over a hundred points. The illegal reporting was removed but the damage had been done. In an effort to increase my credit score, I followed the suggestion of XXXX XXXX XXXX to open a credit card. Unfortunately, the card required a deposit in which I was not willing to pay so I never activated the card. A month or so later I received a call indicating that I owed approximately {$140.00} on the card. I told the company that it had to be a fraud and asked them to investigate it. I also told them if it was an open account it needed to be closed. I was told an investigation would not start. In XX/XX/XXXX I received an alert regarding the same credit card that I was 30 days late. This issue is very very similar to the one with XXXX  that I had already been through. I called the company and asked why I was being reported when I never received an explanation or accredited answer from their fraud department, which is when they brought up XXXX. I currently have an attorney suing XXXX and XXXX  XXXX. When I questioned if the fraud investigation had been completed, they said they could not talk to me because I had representation. I have just finally escaped a XXXX  XXXX relationship, which caused me serious financial hardship in XXXX of XXXX, and was trying to sell my home and buy another close to family. However, because of XXXX, I was unable to get a favorable rate. So, I tried other avenues and the market changed in XXXX and rates skyrocketed, and I was not able to move. So, the XXXX suggestion seemed like a good one, until I was put right back into the same situation. This is a fraudulent pattern with the company that represents both XXXX  and Destiny credit cards. This behavior is extremely harmful to the public at large, especially those who have no knowledge of how to challenge these types of events that affect their very livelihood. 
Please investigate this company and the reporting practices of the credit reporting agencies that do not challenge these types of things but simply rubber-stamped them. I am once again going to try and purchase a new home and this has become a nightmare that just won't end. After all, I have been through having to deal with something as important as these, and having no control is devastating. It's only by the grace of XXXX that I have not lost my mind!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive filed reports on all wrong documents but the time that its taking to fix their mistakes is causing my credit scores to drop daily. Ive worked very hard on the accomplishments that Ive made and their mistakes are causing me financial harm

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 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Bank of America unlimited cash rewards credit card. I am unable to use it after the transaction got declined. I received no fraud alert. I called when I logged into the app. The representative said they couldnt help me and hung up. 

I am traveling overseas. I opened this card. This is XXXX. I cant even make a payment on this card as it wont let me- the app is saying suspicious activity detected review them first.

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 2021-07-03
Company: General Motors Financial Company, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I leased a new car on XX/XX/XXXX from XXXX XXXX. The lease was financed through GM Financial. I wanted to sell my car to XXXX and received an offer for {$20000.00}. When I tried to finalize the deal with XXXX on XX/XX/XXXX, I received an email from XXXX stating that they " are prevented from being able to purchase leased vehicles from this provider ''. They listed a total of 10 providers that they could not purchase leased vehicles from. In further research, I found that GM Financial issued a new policy effective XX/XX/XXXX stating that no GM Financial leased vehicle could be traded in or sold to any other financial entity other than GM Financial. In other words, they restricted me from trading or selling my vehicle to XXXX, XXXX, or any other dealer that did not fall under the GM financial umbrella. That is stated nowhere in the lease and is just an abrupt change of policy to allow GM Financial to obtain the gain that has occurred on the lease due to the rise in Used Car Prices over the past year. It is an unusual situation that has provided much more equity in the leases than usually occur over the life of the lease. It is a complete money grab that disallows the lessee from being able to obtain those funds and prevents the lessee from the freedom of where and to whom they can sell their car. Past precedent has always been that a lessee could trade in or sell their car anywhere they chose and this practice has been going on for years. When I obtained the lease, this restriction was never explained or disclosed to me and was not in effect at that time. This abrupt change in GM Financial 's policy is unfair, egregious, and limits my ability to trade in or sell my car when and where I want to. It is my opinion that they do not have the authority to prevent me from trading in or selling my car. Their only concern should be that they receive the full amount of payments due on the lease so that they are made whole as outlined in the terms of the lease agreement. That is no different whether it is a loan or a lease as both transaction result in a lien notice on the Title. In this instance, XXXX and any other dealer that I try to work with to trade in or sell my car will NOT be able to complete the transaction because GM Financial ( and the other financial entities listed in the XXXX email ) will NOT provide the Payout amount to the dealer and thus will NOT allow the car to be traded in or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions 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 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 Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$700.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA 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 2022-11-19
Company: EQUIFAX, INC.
State: GA
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:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with XXXX XXXXXXXX XXXX and I have been unhappy with them as I have been hacked 3 times in the last six months. I received a check from my 401K distribution fund for {$2000.00} and I have never used a mobile app in my life but someone told me I could check to see how long it would take to clear and when I scanned it through my XXXX XXXX  XXXX XXXXXXXX XXXX  the notification said 10 days and I could not wait that long. My daughter lives here in Florida and uses Truist ( Suntrust ) and told me to go there so I did and they deposited and released {$100.00} to me because I was flat broke. I only learned about 5 days later that the check that I scanned with the XXXX XXXX was an actual deposit. I went straight down to Truist and profusely apologized for my terrible error. The branch manager seemed to have been very angry and vindictive about what happened and put a six month block/hold on the check. I have provided proof that XXXX XXXXXXXX XXXX did not cash the check and have spoken to their fraud department and also provided the same proof. XXXX XXXX XXXX my 401K holder has given the reference # for the check clearance to Truist it cleared on the XXXX of XXXX. The branch manager at Truist located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX his name is XXXX refuses to release the hold and I do not know his last name but they are refusing to call me back or work with me at all.

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 2020-07-31
Company: Lending Club Corp
State: MN
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:
I called this company I explained to them that the lending club loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the lending club loan company and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the Lending Club has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the lending club has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: CA
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:
I received a call from Wells Fargo on XX/XX/ stating that our card had fraudulent charges and that they needed to go over information with us to determine which charges were fraud. She went over several of my charges on my card and confirmed that the charges I had were mine and which ones weren't and then stated we needed to close the account and open another one. She sent me text messages that were from the wells Fargo number to confirm who I was and then proceeded to shut down my card and my account. After a few minutes she came back on and stated she was going to wire transfer {$25000.00} to a new account and do the rest after just to make sure it all goes through the correct way. So when she was done doing that we proceeding to go over shutting my debit card down when the call dropped. When I called Wells Fargo back they made me aware it wasn't them and it was a scammer and that they didn't know if they could get my money back. The number this person had called from was the Wells Fargo number as well as the text message as well as they were looking at my account statement while I was on the phone with them. This is a major security issue with Wells Fargo. When I first got on the phone with this person I called the number she was calling from on a different phone and it went to Wells Fargo so there was no way for me to know any difference. This is not my fault and Wells Fargo needs to get better security

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 monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: FL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-14
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I retired from an XXXX XXXX XXXX on XX/XX/XXXX. When I retired I sent my corporate XXXX XXXX card back to my employer. On XX/XX/XXXX I received a bill for a corporate XXXX XXXX from my old employer and sent to an address I moved away from in XXXX ( I am still have contact with the current residents. ) I sent this documentation to my previous employer and was informed it would be taken care of. On XX/XX/XXXX I received a letter at my current address informing me that my corporate XXXX had been canceled and referred to credit collections. This is very confusing because I have had an XXXX XXXX account since XXXX and I still use the card everyday. I was never contacted by XXXX regarding the delinquent corporate card. 

Now I am being harassed by a credit collection agency by mail and by phone daily.

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 2021-07-02
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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 am a victim of identity theft and Im writing to you LET YOU KNOW THEY ARE NOT TAKING MY DISPUTES SERIOUSLY! Dispute the fraudulent accounts in my file that I did not make or authorize. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 am writing to inform you about an ongoing identity theft incident that has persisted despite my efforts to rectify the situation. For the past few months, I have sent multiple letters to the three credit bureausXXXX Equifax, and XXXXwithout success. 

As of XX/XX/2020, my credit report continues to display inaccurate information stemming from identity theft. My Social Security number and driver 's license information were illegally used to open multiple unauthorized accounts in my name. Additionally, my bank ATM/Debit card was cloned or stolen, resulting in unauthorized transactions on multiple occasions. 

In response to these malicious activities, I undertook the following actions : Changing Cell Phone Number : Recognizing the severity of the identity theft, I was compelled to change my cell phone number to mitigate the risk of further unauthorized access to my personal information. 
Closing Bank Accounts : Due to the compromise of my bank ATM/Debit card, I promptly closed all my bank accounts to prevent any additional unauthorized transactions. 
Notification to IRS : I informed the Internal Revenue Service ( IRS ) about the identity theft, providing them with the necessary information to secure my tax-related documents and accounts. 
Notification to Credit Bureaus : Despite multiple letters to the credit bureaus, the inaccurate information persists on my credit report. I officially notified all credit bureaus, including Equifax, about the unauthorized accounts opened under my name. 
Notification to Authorities : I reported the identity theft to the respective authorities, filing a police case/report to document the incident.

Request for Investigation Under Electronic Fund Transfer Act : In accordance with the Electronic Fund Transfer Act and Regulation E ( 15 U.S.C. 1693 et seq., 12 C.F.R. 205 ), I am officially notifying you of the lost or stolen ATM/Debit card and the unauthorized transactions. I request a thorough investigation, including but not limited to providing a list of unauthorized transactions.

Submission of Identity Theft Report : Attached to this letter, you will find a copy of my Identity Theft Report, which includes the FTC Identity Theft Report, IRS Notice CP01, and the police case/report for your reference. 
Request for Removal of Inaccurate Information : I request the immediate removal of the inaccurate information resulting from the identity theft from my credit report. 
Written Confirmation : Equifax : Your claim form has been submitted successfully Your claim number is : XXXX Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation