BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
I was told on XX/XX/XXXX several times by multiple Representatives that I was going to retrieve my money and when I had called back the following week to see why my money had not posted I was told that they were not going to be able to refund my money and that they had that they had the XXXX is coming on me that they had refused my dispute from my account to another debit card that I did not have no access to or even knowledge of they also refuse to address the issue and stop the process from going after I reported it the same day as it transaction took place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: OH
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/22 I informed Experian to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. I've also called Experian multiple times to have this removed over past 2 months and didn't removed it. I didn't even ask for a fraud alert. They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago. 

Experian, there should be NO fraud alert on my file! You changed it from extended fraud alert to it now being a one year fraud alert. I've asked multiple times for no fraud alert being on my file. 

Enclosed is ID, social security card, and proof of address.

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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I moved out of my apartment complex ( XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I received a Final Account Statement that stated I was owed {$95.00}. I received the {$95.00} by check in the mail. I contacted XXXX XXXX XXXX XXXX XXXX to confirm that I did not owe anything further. They confirmed. Fast forward to XX/XX/XXXX XXXX XXXX after my lease was over ) I was contacted by XXXXXXXX XXXX XXXX claiming that I owe them XXXX on behalf of XXXX XXXX at XXXX XXXX for unresolved payments. I received no notice in the mail/e-mail, until XXXX XXXX XXXX called . When I called and talked to the apartment complex they had no information on why these chargers would exist. The XXXX XXXX XXXX has not sent any notification and I believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I held account number XXXX with BB & T / Truist for several years and typically maintained a balance of several hundred dollars. In or about XX/XX/XXXX, I discovered that the bank had been charging me a monthly account maintenance fee of {$30.00} for several months beginning in or about XX/XX/XXXX. I contacted the bank to inquiry about the charge, they did not provide any specific information about the fee. I asked for the charges to be refunded, and the representative agreed to credit me back for two months of the charges ( {$60.00} ), but said that needed to physically visit the bank branch to have the remaining two months of charges ( another {$60.00} ) refunded. 

In or about XX/XX/XXXX, I visited the BB & T branch located at XXXX XXXX XXXX, XXXX XXXX VA to request that the remaining charges be refunded. I met with XXXX XXXX ( XXXX, XXXX ), who informed me that the bank would not refund any additional charges. As a result, I withdrew the remaining balance from my account ( leaving the account with a {$0.00} balance ) and requested that the account be closed. XXXX XXXX stated that she could not close the account at that moment due to some computer / system problem, but that she would speak to the branch manager to close the account. Based on this conversation, my understanding was that the account would be closed with a zero balance and no fees without my needing to take any further action. 

I subsequently received correspondence dated XX/XX/XXXX from Truist ( attached ) stating that my account has been closed due to an overdrawn balance, including a {$30.00} charge-off fee. They are demanding that I pay {$79.00}, and I have no idea of the basis for that figure. My position is that Truist in fact still owes me {$60.00} from the wrongfully assessed and excessive fees charged to my account during two months in XXXX. 

I appreciate your assistance in helping me recover the {$60.00} in fees, which I firmly believe falls under the category of a " junk fee '', and ending Truists attempted wongful collection of {$79.00} from me. Please feel free to contact me with any questions or if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: SECURITY FINANCE CORP
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Accounts opens without my knowledge. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, security finance, and XXXX different XXXX XXXX accounts were all opened without my knowledge. Also all inquiries are not mines and gave no consent to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous mortgage company XXXX received Payments from the North Carolina housing assistance fund but never applied the funds to my account. Then they transferred my mortgage to Shellpoint mortgage who says that I owe them the missing approximately {$20000.00} and is threatening to foreclose. They both have defrauded North Carolina. I have and have given Shellpoint the wire Transfer ID numbers from NC and Shellpoint says it's working on it. I also have the local XXXX XXXX working on it as well as XXXX XXXX office working on it. These companies are foreclosure companies first and mortgage servicers last and should lose their licensing. They'd rather terrorize me than exert themselves in any way to resolve the matter. They seem to be working on it now while also threatening foreclosure. I was supposed to resume payments in XXXX of this year but they said not to because it would be considered a partial payment and they couldn't accept it. The same thing happened in XXXX then they sent a default letter including legal fees in XXXX. Now it's the first of XXXX and no resolution yet but we do have a phone appointment for Friday XX/XX/XXXX at XXXX with Shellpoint. Thanks

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get a copy of my Transunion credit report. I have tried to request online and it directs me to call. I requested a copy by phone over 30 days ago and still have not received in the mail. I tried to request online again and it say unable to give me a copy I must call. I called again and was told to request online. I am just going in circle at this point. I believe I am a victim of identify theft and I need to review my report for any potential fraudulent accounts or activity.

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 2022-11-19
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is fraudulently reporting and trying to collect on a charge from an old credit card that I has back in XXXX the card was lost/stolen and my identity was used to make unauthorized charges, and now 2-3 years later they sold the " fraud case '' to a collection agency. The collection agency keeps harassing me via mail, and phone calls, they have even sent a threatening letter to place me in jail if payment wasn't made on the old fraud/dispute case that has been settled and closed since XX/XX/2020. I have written proof that XXXX XXXX got the money back and it was covered under the fraud protection act. The FDIC insurance claims protection for fraud was honored to my knowledge of paying back the fraud charges. this protection is for when you have any credit card and file a fraud dispute which I did in accordance with the law. However, It's like they want a triple payment, since XX/XX/2020 XXXX XXXX considered the case closed and " wrote off '' the alleged debt. However, to my understanding, it was paid back under the FDIC fraud protection, and now falsely and illegally trying to collect a fraud/dispute case through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: MoneyLion Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking at my credit report and i came across Money lion on my credit report and i never open this account or never talk to this company before but it's on my credit report as XXXX to XXXX days late this is not my account never heard of this account before therefore i ask that this account be remove from my credit file again anyone could of open this account in my name without my consent and use my information and which they did i ask that this account be remove from my credit because i never open this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " XXXX  XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611

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 2023-05-02
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
I took out a auto loan with Credit Acceptance Corporation in XXXX, due to their lack of paperwork, this did not start reporting on my credit until XXXX. I done a vountary repossession on the vehicle in XXXX of XXXX. They auctioned off the vehicle after the repossession. They continue every single month to report this account as " Open '' rather than " closed '' or " charged off ''. They continue every single month to report a late payment for the 65 months. They also have an off the wall out of state address that I have never been associated with in Louisiana. In addition to the balance being incorrect because they have never applied the auction funds to the remianing balance of the loan, they also report the account as repossessed, late, repossessed again, then back on track, then repossessed, then charged off, then late again. Its absolutely absurd. I have worked VERY hard to fix my credit, this is the only negative account holding me back. It has now been 7 years since this account had its first missed payment and has been repossessed. This also goes against my debt/income ratio and prevents me from further auto loans because it looks as though I have an open auto loan. I have disputed this account for YEARS due to inaccurate information and the credit bureus refuse to fix it. Credit Acceptance does not respond to any letters that I have sent to them directly verifying any information I have asked for. I am asking for this to be removed from my credit report, as the inaccurate information being reported, the failure to respond to my verification requests all go against my rights under the XXXX. Please help me!!!

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: IN
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 
The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. 

THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.

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 2023-04-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed unauthorized inquiries on my credit report. The following unauthorized inquiries are : XXXX XXXX XXXX XX/XX/2023 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
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX BANK : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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