BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2011 Balance : {$11000.00}

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 2020-07-30
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated back to back calls within minutes of each other. Sometimes when they call they hang up before I can answer ( my phone rings maybe once ) and they call right back and do it again seconds later. When I called back they didnt identify themselves as Phoenix Financial Services. No profanity but the worker I spoke with was incredibly rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: World Acceptance Corporation
State: SC
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:
Debt thats been on there for years need to be removed that i know longer take accountability for. From XXXX. Several accounts has been closed and late payments thats been sitting there over the years that I know longer have. Debts being on my credit reports that I didnt even get a verification/ notification about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-09-05
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-11
Company: GUARANTEED RATE 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: Account information incorrect

Complaint:
I received an alert from my XXXX app informing me that XX/XX/2023 my account shows XXXX days delinquent. I called the Guaranteed Rate. However, I am currently in a forbearance and have been for months. This is the XXXX time that this has happened, I have been impacted and my score has dropped XXXX points because of this. I will like this immediately rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/XXXX, I refinance my vehicle, my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX ( XXXX Ex XXXX ) called Credit Acceptance ( XXXX XXXX XXXX, XXXX, MI ( XXXX ) and ask what was my pay off and they indicated {$13000.00}, my bank send them a check in full amount. I got sick with XXXX in XXXX, and until I got well I was able to pick up my mail, that when I discovered that Credit Acceptance was saying I still owed them money. I called they indicated I has not cancel my warranty ( {$2000.00} ) on time and that I would owe them money. I cancel the warranty on XX/XX/XXXX when I spoke to them. They then indicated they would need to call me and tell me how much more I owed them. I called them they indicated {$550.00}, this amount was owed becuase I didnt cancel the warranty. I tired to payed them its been rough with money so I didnt call them. My bank called them today, XX/XX/XXXX they indicated I owed them {$3300.00}. I called them they asked for a settlement. They are now saying my account never closed, its still active and that I owe them {$8900.00}. I dont understand why I owe them this amount if they told my bank i owed them {$13000.00} in XX/XX/XXXX and they paid of my account with them. There information was misleading not only to me but to my bank. Im now stuck with still owing them and im paying my truck to my bank.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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 accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-02-06
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021 - notified quicken loans that I can resume payments - quicken loans offered an option to defer payments on unpaid balance until loand is refinanced or paid off ( or ) to extend terms of payments, reducing monthly amount but paying interest on forebearance amount for full term of time that loan is outstanding. 
- I am looking for another option that modifies the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We have banked with Bank of America for over 25 years. We are a software company and deposit over $ XXXX a month using BOA 's remote deposit machine. Typically, we will deposit 20 checks for $ XXXX or more at one time. The funds are available the next day. This has been the case as I recall for ALL OF 2023. On Friday XX/XX/XXXX, we made a deposit of about $ XXXX. Almost all of those checks have been put on hold until the XXXX. 

When I talked to the bank, and a manager, XXXX XXXX ID XXXX, his explanation was that they could not verify the funds would be available and that was why there were holds. I asked why ALL prior deposits had no holds, though from the same businesses and his answer was that each check is different. I reminded them that this had happened in the past because of a large deposit and their computers placing automatic holds, which they IMMEDIATELY removed when we called them. This time they refused to do that. 

I confirmed the call was being recorded and told them that I would go to the CFPB and asked if they would reconsider. They said they would not. 

This is clearly an error. It does not take 7 calendar days for checks to clear in 2023. It is statistically impossible for no checks to be put on hold all year and ALL the checks from a single deposit to be put on hold because " BOA had information that these checks may not clear. '' All the checks are from established businesses we have worked with for decades in many cases.

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 2022-06-14
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I pay Equifax for a credit service. I can not ever log in. It keeps directing me to call their support center every time I try to log in. I get some agent in a foreign country who can not understand me or speaks in a way I can not understand them. They fiddle around with emails and other nonsense. They say they are going to get me to a higher level support. I get a survey. Then they disconnect the call. 

Does the federal government actually regulate anything? Really, the way this company is allowed to do business could be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: SYNCHRONY FINANCIAL
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against SYNCB/CARE CREDIT. SYNCB/CARE CREDIT is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that SYNCB/CARE CREDIT is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave SYNCB/CARE CREDIT any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold SYNCB/CARE CREDIT criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If SYNCB/CARE CREDIT can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There's a pen and payment on my account for XXXX dollars which is only supposed to be a payment for {$21.00} I have contacted cash app support and have went back and forth with them over and over again about this transaction they have changed the amount of this transaction XXXX times from XXXX to XXXX to XXXX again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSWORLD SYSTEMS INC
State: CT
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 discovered two colllections for XXXX XXXX for service to a Rhode Island building that had burned down on XX/XX/2015. Service and billing was extended long past the date of fire despite service being disabled by Fire Department ( building was completely consumed ). In addition bills were sent to an address to Texas where I never lived. 
I negotiated with XXXX XXXX pay for deletion which they referred to Transworld Systems who responded in agreement, and I made my payment, but it is several months after payment and many letters later, and Transworld Systems still will not delete the collections despite the billing errors and written agreements and follow up letters requesting the deletion be honored and the billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft 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 2021-12-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-24
Company: EQUIFAX, INC.
State: AR
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and informationimmediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dates : unknown Amounts : unknown Actions Taken : There have been numerous attempts to contact the company to inform them that this was a result of identity theft and the account ( s ) does not belong to me. My identity was stolen and an Identity Theft report was filed the appropriate authorities. The other companies included in the ID theft have all removed the fraudulent accounts, with the exception of this company. I have tried time and time again to discuss with them to find out what needs to be done to get this resolved. However, even after repeated attempts they have not ceased attempts to collect the debt or offered information as to how we can resolve the issue by showing further proof of the ID theft. The same letter ( which will be attached ) from the company has been received multiple times that states not details of the account or information that could be refuted. It is simply a generic letter without account info or even a valid extension for the proper individual to be reached who is handling the fraud claim. Ultimately, every call has essentially ended with the same inability to resolve the issue or even offer the appropriate steps to take in order to get resolution. The first rep said they could help, and that " normally '' they could resolve it without a problem, but that their system was down for the day and asked me to call back in a couple days later. After a few days, the next rep said they would try to resubmit the fraud claim ( even though the first rep advised NOT to do this because they said it would not actually resolve the issue ) - after they resubmitted the claim another identical letter was mailed out without a valid extension or any further info. After this letter was received another phone call was made to the company and this rep apologized that they had not correctly addressed the issue and had simply " resubmitted '' a claim that did not need to be done - however, they said they could not help either and asked me to call back later to ask for another department. After calling back and getting into contact with the " other department '' they too were unable to help and stated the the individual overseeing this fraudulent account was unable to be reached and did not have a valid extension - the rep could offer no explanation or guidance on what to do to resolve the issue.

Company response to consumer: Closed with explanation