BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX and XXXX about the debt collection not being legal and in dispute. XXXX did take action but XXXX and XXXX don't seem to want to take action quickly and removed it. Although the amount is in dispute and it shouldn't be in collection, I did pay it off. I would like that to be taken off completely as it should not have been on the credit report. This is holding up my loan application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Flexible Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Flexible Finance is an app that utlilizes a line of credit through XXXX XXXX XXXX  XXXX. to assist renters in paying their rent by splitting the rent payment in half. 

I attempted to close my line of credit with them following the instructions provided in the app, essentially pausing automatic my automatic payments to them. The app does not provide a way to terminate your relationship with the creditor and provides instructions on how to stop payments by " pausing '' on the app. The company does not adequately disclose that this does not terminate your credit relationship. I " paused '' my relationship with them in Late XXXX of 2023. 

I was not provided a statement of balances XX/XX/XXXX as required by law for open lines of credit, so I thought that my credit line had been closed. 

I was also issued an update to terms statement on XX/XX/XXXX ( confirming i still had an open line of credit with them ) and was not provided with an option to opt out and cancel my relationship them as also required by law. 

I emailed the company on XX/XX/XXXX requesting a termination of my credit line. I was emailed back an automated response on how to " pause '' payment again. I immediately responded and requested that the relationship be terminated. I was emailed an automatic response stating to submit questions via a form on the website. I was emailing XXXX XXXX XXXXXXXX which is the email listed and provided in the relationship and credit line agreement as the only method of contact to submit a request for termination of your relationship with them. I have not received a response from them regarding my cancellation request other than that the automated statement that it will be ignored and the ticket closed unless I submit a request through their app. 

I have also emailed them requesting my balance amount and have received no response. My last statement from XX/XX/XXXX shows a negative balance of XXXX and I have emailed them inquiring about this as well. 

This company does not respond to inquiries. 

I would like this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
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 following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Section XXXX A states that I have the right to privacy XXXX U.S.C Section XXXX A Section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX , TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I see that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX On XX/XX/XXXX i sent out a dispute stating that my charge off was reporting C/O every month and for that to be fixed and XX/XX/XXXX I received a update on Experian website that is it was updated but the information obviously was not its still reporting C/o every month to my knowledge under the FCRA that is illegal for the credit bureaus to do so. On XXXX XXXX i sent out a dispute on the account listening that Experian was reporting a high balance of {$0.00} and XXXX was reporting the same account high balance as {$410.00}. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is their duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. So i asked them if they could Please DELETE this erroneous item immediately but got no deleting or any information after that I have also added a screenshot of the listed account as of XX/XX/XXXX and as u can see it was last verified on XX/XX/XXXX and theres still errors on the account.. The high balance is showing {$410.00} on XXXX & experian is reporting a {$0.00} balance.XXXX Also XXXX is reporting the open date as XX/XX/XXXX but Experian is reporting it opened on XXXX Third error on this credit report is that transunion is reporting a closed date of XX/XX/XXXX Experian doesnt have a closed date

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 2023-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The day XX/XX/23 I deposited {$3400.00} into the Third Fifth Third Bank ATM machine located at XXXX XXXX XXXX branch in XXXX, Fl at XXXX XXXX. When I first entered the money ( XXXX bills of {$100.00} denomination and XXXX bills of {$20.00} denomination ), the ATM returned {$300.00} in {$100.00} bills. When I entered the {$300.00}, the ATM received the bills and opened the operation. At my surprise, the ATM did not register the whole operation, this is the {$3300.00} but {$3000.00}. Immediately, I talked to the personal banker XXXX XXXX who helped me to create the dispute case # XXXX. On XX/XX/23 the personal banker and the branch manager told me that they had not found any problem with the balance of the ATM and that the money would not be returned, being this the reason why I decided to call the Dispute area of the bank to claim the money deposited at the ATM. A few days later, the bank deposited the {$300.00} and I dedided to send an email to XXXX to thnak for her initial help. 

Surprinsingly, on XX/XX/23 I received a letter from Fifth Third Bank Headquarters regarding the transaction dispute. In this letter the bank informed me that the dispute was solved against me and in the same date, that is XX/XX/23, the temporary credit was reversed. I dont agree with this situation because it is clear the ATM did not deposit me the money I intended. I consider this must and should be proved through the different security cameras of the branch. I respectfully ask you to overview this dispute and look throughthissituation. 

Today my checking account is overdratf in {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: National Credit Systems,Inc.
State: MS
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:
National Credit System refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I started to shop a car and visited a local car dealer. I asked what I can afford and been answered that I need a soft credit check to see where my payments can go. I said OK. Eventually a dealer run multiple hard inquiries without my permission. I reached their financial department and got a response that a sales person described incorrectly to the financial department that caused misunderstanding in a dealership. They can't help me. I reached all XXXX credit bureaus and didn't find help. 

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-26
Company: Experian Information Solutions 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:
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 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 2018-04-24
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
SunTrust Bank- They stated on XXXX-XXXX-2015 I attempted to make a transaction on a account in an unauthorized or prohibited manner. On my XXXX XXXX report they never mentioned what I exactly did wrong. They reported no loss of money. Technically I don't even know exactly what I'm being charged with. I never had a Suntrust account. My identity has been compromised before.I was taking advantage of by people I trusted, stole my identity and opened bank account and credit accounts in my name, some how i have to get those investigsted as well. Someone authorized accounts created without my consent. I don't comprehend good, I get a XXXX   check for not being able to comprehend like a normal adult. My brain works on a XXXX  year old level.Because of me being in the XXXX XXXX XXXX it is hard for me to get a bank account. I don't have anyone I trust to have my check deposited into their account.just need help with trying to get the bank to understand I was taking advantage of. I really need your help getting out of that system

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 2018-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018, my credit card from Chase Bank was declined at " Healthy Pets. '' It is a business a few blocks from my home where I have completed several similar transactions over the past three-plus years. I immediately contacted Chase Bank and asked why my card was blocked, without prior notice, at a business I use regularly. Chase refused to provide a reason, or to even substantively respond. 

In regard to the XX/XX/XXXX incident, I re-contacted Chase Bank by email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, Chase assures me it is " looking into '' the matter. 

This is a new, different, and separate incident from the XX/XX/XXXX incident, which is the subject of a separate complaint. In both instances, Chase blocked my credit card without prior notice. In both instances, Chase rebuffed my many attempts to substantively resolve the issue. 

I have spent at a minimum two hours dealing with Chase 's errors, and in my efforts to engage Chase substantively. My professional time is billed in excess of {$200.00} per hour. A very conservative analysis mandates a conclusion that Chase should reimburse me {$400.00} toward the waste of time, stress, humiliation, and harassment that Chase continues to inflict. 

I again request that Chase acknowledge its errors, apologize for blocking my card without prior notice, assure me that such will not occur again without prior notice, and reimburse me {$400.00} for my time that Chase has caused me to spend seeking a fair resolution. 

All of the above has been relayed to Chase and it is documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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:
First national bank purchased my accounts from XXXX XXXX XXXX transferred my non fee based accounts into fee based and then subsequently drafted service fees until the account was empty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANNER CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX claimed to be a bitcoin investment coach. He guided me through the process of transferring money into my XXXX XXXX account to then send it to a XXXX  wallet, in order for him to trade on my behalf. He also prompted me to create an account through this trading website where I can watch my trade in progress https : XXXX I had made several deposits before I became suspicious that this was a scam. When I did try to retrieve my funds I contacted customer support through the website, and the next day they informed me that I have accrued {$5000.00} in fees. They informed me that I would not be able to retrieve my funds until I pay the full amount, and if I am unable to do so, it will be put into an escrow account and gain {$500.00} in interest until it is paid in full. 

I have attached screenshots of my transactions totaling the amount of {$2000.00}. 

I have contacted my bank in order to request a recovery of my funds. They declined my request. 

I am a single mother of three, and this XXXX taken a devastating toll on my familys livelihood. I am simply trying to recover my funds in order to support my family. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi abo ut 5 y rs ago I contacted the original creditor  XXXX   XXXX , This account was an account open from Identity theft.  XXXX   XXXX  closed the account. I have been living out of the country for several years. and I pulled my credit and saw it was fraud. The closed it and promised to remove it off my rep ort 5 yrs ago.      I have Attached my utility bill to prove, I was living in  XXXX  from  XXXX   XXXX  And I have made updated police reports when I had returned and saw even more Identity theft.     Now in  XXXX    XXXX    XXXX  has sold the account to a collection agency, they put this account on my credit report and has been trying to collect  XXXX  on a  Fraud  account fro  m 5 yrs ago.
I did write a letter to the collection agency but I have not had a response.     I would like to have this RE- Removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was absolutely shocked when I discovered that my identity had been stolen. It's a truly harrowing experience to find out that someone has been using your personal information for their own gain. While checking my credit report, I found out that there are a couple of fraudulent accounts that were opened under my name. This is a gross violation of my privacy and has left me feeling completely helpless. Despite my persistent efforts to remove the fraudulent accounts from my credit report, I have been unsuccessful in removing one particular account from my TransUnion credit report. This account pertains to a XXXX 's store credit card with the account number XXXX. The presence of this fraudulent account is causing me great concern, as it not only tarnishes my credit score but also poses a threat to my financial well-being in the future. It is disheartening to know that someone out there is exploiting my personal information for their own gain, while I bear the consequences of their actions.

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 2021-08-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and associates had me served with court papers XX/XX/2020 for medical bills. They had already been paid in full by my insurance company. I was being sued for like {$450.00}. I went through and got my EOB from my insurance. Called the doctor 's office that sent me to collections they admitted it was a mess up on their part but said nothing they could do. Took my EOB personally to Wakefield and associates proved I didn't owe them anything. That was on a Friday, well Monday they still proceeded to go to court and lie about me proving that I didn't owe the debt to obtain a garnishment order. I then called back after I received the order in the mail to ask them why or how they were going to garnish when I already proved I didn't owe the bills, they still garnished my husband 's check for almost {$300.00} for bills we did NOT owe! Well now it's happening again! I sent a letter contesting these latest doctor bills they are suing me for as I don't get bills from our local hospital only sent to collections so I have no idea if I owe them or not. Yet they're ignoring it once again, and have a garnishment order on my husband 's check! Not to mention in a pandemic where it's touch and go if we will have groceries! This company feels they're above the law and don't have to follow fair credit collection laws!

Company response to consumer: Closed with explanation