BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Continental Finance Company, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wallet was stolen, i had all my credit cards in it ID, etc, I reported immediately on XX/XX/XXXX the company hires people that don't speak English and they couldn't understand what i was explain to them and they were keep sending out new credit cards to the scammers, and now it's on my credit report. I have reported on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and still, they don't hold scammers responsible, they are reporting me to the credit bureaus, for all 3 credit cards. If YOU LOOK AT MY HISTORY WITH ALL, MY CARDS, I ALWAYS PAY THEM IN FULL BY THE END OF THE MONTH I don't have the cards nor ever got a new one. What is there to do. 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 2019-07-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage amount changed suddenly ( went up ), due to the mortgage company 's escrow reserve calculations. One of our monthly payments was lower by {$87.00}, since our bank paid the regular amount ( there was problem updating the monthly amount that was paid regularly ). We paid the balance of {$87.00} shortly afterwards.

As a result, Fifth Third bank, did not apply the amount we'd sent in ( {$2300.00} ) until we'd sent in the remaining {$87.00}. This resulted in us having to pay substrantial extra interest, because they delayed applying the amount we'd sent in.

Additionally, Fifth Third bank is charging us a late fee of {$92.00}, to cover a temporary shortfall of {$87.00}!

On top of all this, their statement reflects the late fee of {$92.00} as a " Past Due Payment '' and not a " Fee '', a blatant lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Robinhood whom I have a bank with and invest in various stocks with has restricted my account from any actions such as investing or withdrawing my cash on my debit card. They sent me a new a new card and even told me I could use my virtual card from my account. But none of those have worked they even asked for my identity verification which I sent three bank statements and my ID over the last couple weeks. They still have yet to give me any access to my account or any reasonable timely response on how I can resolve this. At this point I'm just trying to withdraw my money from there that is rightfully mine. So far they've given me nothing that I can go on they asked me for information and I gave it to them and they haven't followed through with what they said they would do they're essentially holding my money hostage.. I sent them 6days ago my identity verification. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I purchased a XXXX XXXX card, wanted to test the viability of the product offering ... and this issue is a HUGE strike against the product offering. Strike ONE I loaded {$500.00} on the card and began using it, the card became unusable and I began researching the money loss to discover $ XXXX sitting in pending charges, unrefunded holds on the card... I have made attempts to contact American Express and have gotten nothing but an automated system that doesn't address the problem, nor provide a solution to a problem a computer does not understand. Strike TWO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Computer Credit, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XX/XX/XXXX I was working with XXXX XXXX in an attempt to get financial aid. I was pregnant and new there would be a balance that I couldnt pay. In XX/XX/XXXX of this year I was approved for 100 % financial aid. On XX/XX/XXXX, I received a letter from Computer Credit Inc a collection agency fir the debt. I took a copy of my approval letter that day and sent it to them. The financial aid covers all past due balances and medical expenses for a for the next year. On XX/XX/XXXX Computer Credit inc sent two more collections letters. I received them today XX/XX/XXXX and immediately sent out 2 more letters with the approval for financial aid.

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 2022-07-13
Company: TRUIST FINANCIAL CORPORATION
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.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 non-monetary relief
Consumer complaint received 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ 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 2023-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
PORTFOLIO RECOVERY ASSOCIATES Account number XXXX this account is fraud i have spoken to the collection company in regard to this account they contact me at my work place. which violated my rights please remove account asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Firstsource Business Process Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They were calling about a delinquent XXXX account and were trying to offer a 60 % payment deal so I wouldn't pay in full. The agent asked me to speak to the supervisor but he was pushy and tried making me pay money today. He asked me to verify my account and asked for a last four of my XXXX and my birthday, but didn't let me hear my address. I was scared and hung up after they were rude.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: FC HoldCo LLC
State: NC
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 sent certified letters to all 3 Credit Bureaus ( XXXX XXXX, XXXX XXXX in regards to the negative item being reported on my credit report by XXXX Card. I have attempted to have this account removed from my credit report for over 1 year. The letters I have sent have challenged the accuracy of the information being reported on my credit report. I informed all 3 credit reporting agencies of the Inaccurate High Credit Amount, Inaccurate Opening Date, Inaccurate No of Months ( terms ), Inaccurate Date of Last Activity being reported on my credit report by Flagship Credit Acceptance. I am requesting this account be immediately removed from my credit report. This negative information is preventing me obtaining financing for home ownership. 

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
Consumer complaint received 2022-05-21
Company: DISCOVER BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested a wire transfer from Discover Bank to XXXX XXXX XXXXXXXX on XX/XX/XXXX for {$2600.00}. Transfer was the earnest money being sent to Title company for my first home purchase. 

I was contacted by Discover Bank on XX/XX/XXXX, to confirm my details like Name and DOB. Funds were withdrawn from my account on the same day. 

XX/XX/XXXX, I contact Title Company and tell them check their account for the money. They can not find the transfer. 
I contact Discover Bank, they tell me to wait XXXX XXXX business days for transfer to complete. 
Title Company recommends I contact Discover to verify transfer details are correct. 

XX/XX/XXXX, I contact Discover Bank Wire Transfer Department, reconfirm account number and Routing numbers and other details are correct. 
Considering they may have provided the wrong information, I also confirm transfer details with Title Company Receiving funds. 

XX/XX/XXXX, I contact Discover again and they claim transaction is complete giving me a " Fedwire number '', I provide this number to the Title Company. They feed this information to XXXX XXXX XXXX wire transfer. They tell them that the number provided is not a XXXX number. 


XXXX XXXX I wait for transaction to settle. 

XX/XX/XXXX XXXXitle Company calls me, let me know that the deal will fall through if I don't send the money by Friday. Seller was ready to back out. 
I call Discover Bank ask about the wire transfer. They say the funds are at the Fed. 
That they have done all they can, and they can't help me anymore. 


XX/XX/XXXX I initiate another wire transfer for the same amount {$2600.00}, from another personal account in Discover Bank. 
Title company contacts me to let me know they have received the money. Saving the deal. 

I contact Discover Bank, to initiate a recall on the first wire transfer. 
I don't receive an email or confirmation about it. 


XX/XX/XXXX XXXX contact Discover Bank as to the status of the wire transfer recall. 
They say that maybe the transfer is " stuck '' at XXXX XXXX XXXXXXXX wire department. 
They suggest I contact XXXX XXXX XXXXXXXX. I feed this information back to the Title Company. 

XX/XX/XXXX Still no solution...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have an insurance claim check from a settlement that was due final payment weeks ago after passing the final roof replacement inspection on XX/XX/2023. It was to be XXXX overnight but never was. The company was supposedly bought out and our mortgage and claim funds transferred even though part of the new company has the same name ( New Rez Shellpoint ). Weeks later, still no final disbursement has been mailed out, our bill is due to the roof company, the new mortgage company is nearly impossible to get through with long wait times, lots of transfers to different representatives, relentless identity questions and still no details on when the final check will be mailed or contact information on how to directly get a hold of the responsible department. This should be criminal and in my opinion the mortgage company is trying to delay payment for interest accmulation purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan at Fifth Third bank XXXX XXXX XXXX, who is claiming that my payments XXXX made via XXXX ) were rejected by my primary bank, XXXX XXXX XXXX  XXXX XXXX XXXX. As such, I have received several NSF fees. According to the rep I spoke with, a different XXXX non XXXX ) account was selected multiple times in a row. This never happened. Never in the years I've made payments have I selected anything other than the intended account. To suggest that I did so several times in a row stretches credulity well past its breaking point. They refuse to do anything about their serious system error, or to correct the erroneous NSFs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and noticed several inquiries that I did not authorize. There is an XXXX inquiry on XX/XX/XXXX. on my XXXX report. I did not authorize this, nor do I know what this is for. The next inquiry is for XXXX on XX/XX/XXXX. I showing on my XXXX Report. I have never heard of this company. I show an inquiry for XXXX on XX/XX/XXXX on my XXXX report XXXX I shop at XXXX, however, I do not shop there enough to warrant the need of a credit card. This was unauthorized. There are car dealerhsip hard inquiries on my report that I did not authorize. I currently have a car loan in which {$1200.00} is still owed on it. I have not requested a new vehicle nor have I authorized my credit be run for a new vehicle. There is a XXXX of XXXX on my Transunion report for XX/XX/XXXX. I did not authorize it. When reviewing my report, I reached out to the number on file, and was informed that they did not do this, so I believe it is a fraud transaction. I see a XXXX of XXXX for XX/XX/XXXX on my XXXX report. Once again, this was not authorized. I have not submitted any information to any XXXX to run my credit. No social or confidential information was submitted. There is another unauthorized inquiry on my report for XXXX on XX/XX/XXXX for XXXX. I have never heard of this, and did not authorize this. Another inquiry has shown up for XXXX XXXX XXXX XX/XX/XXXX for Transunion and another on the same date for XXXX. This was not authorized by me. I also see a XXXX on XX/XX/XXXX on my XXXX. Again this was not authorized by 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 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.

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 2023-08-09
Company: EQUIFAX, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
see attachment because this complaint is not being sent in error, I have attached all documents request and these agencies are failing to comply with my request when I sent it by US Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: OH
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:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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