BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was in an accident on XX/XX/2022, the date of this complaint is XX/XX/2022. I have GAP insurance through Ally Auto as well as full coverage insurance on the vehicle through XXXX XXXX 

I made a single payment towards the vehicle while waiting for all paper work to be processed by XXXX XXXX  and the gap coverage. 

Payment by XXXX XXXX  was issued to the lien holder in an amount equaling {$16000.00} on XX/XX/2022. The remaining balance is {$670.00}. I spoke with my gap insurance policy holder multiple times through XXXX. I submitted the documents they requested, as well as confirming multiples times with agents on the phone representing Ally. I was told today XX/XX/2022 that 2 of the forms submitted were the wrong forms and that I need to get the correct forms. I confirmed more than once if the forms I was submitting were correct. They were not. It will take me 30 business days to receive the forms they, the car payment is already over 30 days passed due. The gap insurance does not provide refunds for the payments made throughout this entire process. I am forced to pay off the remainder of my loan to avoid my credit being hit. Even though I paid for GAP coverage, I asked on XX/XX/2022 to cancel the gap coverage through ally, and issue me a refund due to this discrepancy. I was rudely told no refund will be issued. 

After further investigation of this company they absolutely disregard the needs of their customers and is SCAMMING every single one of their customers.

I purchased GAP that will not do anything to assist, but tell me wrong information purposely to ensure I am forced to pay so they do not have too. A simple XXXX search will show thousands of people with the same complaint.

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 2019-06-21
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Once again they are using payment funds how ever they want - they say I owe my full mortgage amount for XXXX on XX/XX/XXXX - but I will already be paying the XXXX mortgage payment. Please review the attached file for payments made for this loan. I did not choose to be this companies customer I was financed with another company - I am really tired of their fraud and theft of mortgage funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2023, I awoke to an email alerting me that a dispute had been filed with another financial institution regarding a payment I had received on XX/XX/2023 through CashApp. The money involved in the previous transaction had been deducted from my account automatically and without authorization and supposedly returned to the account of the sender. I immediately contacted the sender and asked what was wrong. They replied that their account must be compromised and that they had opened their CashApp and noticed multiple unauthorized transactions. They claimed to be contacting CashApp through their support services to try and figure things out. The transaction refunded was for {$5.00}. Within hours I received two more emails claiming that two other transactions on XX/XX/XXXX and XX/XX/XXXX of 2023 were also being disputed and returned to the sender. By that time I had transferred my CashApp balance to my bank and locked my card only to discover that CashApp withdrew the money straight from my bank account, without my consent, to refund the supposed original sender. Both refunds were for {$20.00} each. I know the original payments were legit as they were for compensation of gas money, time and vehicle wear and tear for giving the sender a ride home when they did not have access to transportation at the time. So far I have been defrauded of {$45.00} total. {$5.00} from my CashApp balance and {$40.00} directly from my bank account through CashApp. After reaching out to CashApp support they said they could not comment and offered no help what so ever. It appears they are okay with facilitating fraud. On Monday, I will go to my bank branch to make them aware of this fraud and see if they can be of better assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: VA
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 have tried repeatedly to dispute a Bankruptcy that is appearing on both my Equifax and XXXX credit reports. XXXX ( whom both of the CRAs state that they are verifying the information with ) is not listing a Bankruptcy report. XXXX has requested that both XXXX and Equifax remove XXXX information from my credit repair. Both CRAs state that they are verifying or certifying the information with the company that reported and they list XXXX. XXXX states to the contrary. 

If the above is not enough, how about the " error '' that's listed stating that my " spouse '' filed the Bankruptcy on my behalf. I have never had a spouse and this error in reporting should be more than sufficient to delete this bankruptcy from my credit report. 

The erroneous reporting is causing continuous financial injury. All documents are attached show the exhaustive measures used to try to resolve this issue with both CRAs, including Metro2 Compliance requests. Both XXXX and Equifax fail to adhere to Metro2 compliance requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX explaining an account appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've contacted XXXX XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to update me from being listed as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer.as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I constantly have to do Experian and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

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 explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I never asked XXXX, Transunion or XXXX to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.

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 2023-01-16
Company: ENCORE CAPITAL GROUP INC.
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:
Midland Credit continues to harass me with false accusations of a debt, I have now received a Pre-Legal Legal letter from this company, and they have not validated any debt. I have asked on numerous occasions to provide proof of debt a signed contract with my signature consenting to any debt, I am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.

Furthermore, I requested them to cease and desist all telephone communication through my residential or employment numbers. XX/XX/2023, Midland Credit violated my rights and called my phone after I requested them to STOP all communication, any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I have reported this company to The Indiana Attorney General Office and Better Business Bureau. I also have forwarded a copy of their said letter to an Indiana Attorney. 

I appreciate your efforts in this matter and look forward to your response. 
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-26
Company: SYNCHRONY FINANCIAL
State: CA
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:
XX/XX/2018 PayPal Credit made an unauthorized, fraudulent hard inquiry to my XXXX  report. Attaching police report for related identity theft. XXXX  instructed me to contact each of the companies making fraudulent inquiry individually.

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 2020-07-11
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I have been recently notified about the fraud in reference to my account with Santander. I purchased a XXXX XXXX  with Santander through Roadloans. I was not asked to provide any type of check stubs or anything and was approved. All I had to do was take the paper work to a participating dealership and show them the approval and my driver 's license along with my {$400.00} down payment. I struggled making the payments on the car when I got the car. The car was repossessed and I was able to come up with the money and get the car back. I was able to keep the car for a few months before they came and repossessed the car for a second time. No one would work with me when I called to set arrangements on the payment. The car was repossessed the second and final time in XXXX around XXXX. Since then the account has remained opened as a charged off account the entire time and they have made updates to the account as late at XX/XX/XXXX. I have not had any access to the account for it to have any activity. I have not been notified of when the car was sold, who it was sold to or how much it was sold for. " Based on the investigation, the coalition alleges that Santander knew that certain segments of its population were predicted to have a high likelihood of defaulting based on sophisticated credit scoring models. Per the lawsuit that Santander is involved in, I believe that I am a victim. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights and risks of partial payments and loan extensions. '' Please look into this as it has caused a huge embarrassment to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Related to CFPB XXXX I see Bank of America showing a payment was made on XXXX XXXX. However XXXX doesn't show it as part of processed transactions. I don't know who is benefiting from this outright manipulation.

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 2023-01-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Have written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames Incorrect Phone Numbers Please Remove XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-17
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:
Experian is reporting invalid information, without my knowledge and permission, for the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX/XXXX. 

Experian is reporting incorrect and invalid data on my personal information. 

They are also reporting unauthorized inquiries : XXXX XXXX, XXXX and 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