BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: NC
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 company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

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

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Stuart-Lippman and Associates, Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i already filed two complaints against stuart-lippman and associates one complaint is still pending as stuart-lippman and associates viloated the fair debt collection practice act this is a new complaint against stuart-lippman and associates i was involvled in a auto accident on XX/XX/XXXX i was in contact with XXXX XXXX i told XXXX XXXX that im disputing the car accident and the amount of XXXX because i was not at fault in the car accident XXXX XXXX said she was go submit document to have my license suspended as she did on XX/XX/XXXX she and this company stuart-lippman and associates violated the fair debt collection practice act by submitting documents to the dmv to have my license suspended as i sent stuart-lippman and associates documents stating that they can not submit documents to the dmv to have someone license as a person said that they could do that i request documents that say that the new complaint now is that stuart-lippman and assocates sent documents to the dmv to have my sister license suspended and my sister was not even invovled in the auto accident period my sister received documents from the dmv of suspension of her license dated XX/XX/XXXX and demand a security deposit of XXXX her suspension starts on XX/XX/XXXX the problem here is stuart-lippman and associates should have nver submitted documents to the dmv telling them to suspend someone license when myu sister was not even involved in the accident nor driving the car period now the dmv want my sister to make a security deposit of XXXX when she was not even involved in the accident at all now they want my sister to pay up money for a accident she was not even involved in the dvm suspended her license for a accident she was not involved in and again stuart-lippman and associate violated the fair debt collection practice act by subitting documnet to have someone licsence suspended when stuart-lippman have no power or authority to do so as my sister was not even apart or invovled off the accident on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, Ive been having this continuous problem with Afterpay, I even filed with the XXXX  but did not get a solution so I hope you guys can help me. My item never arrived and Im being forced to pay and now in debt. I thought Afterpay would be understanding to their customers, and at least wave it away and go to the merchant. I tried going to the merchant myself and getting a refund from there but I couldnt, because it says its been delivered even though I dont have it and it was my first time ordering. Even the merchant told me to contact the shipping company XXXX, which does not help as Ive had problems with the same company before. The merchant is XXXX. Please help me get around this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Real Time Group, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report

Complaint:
Real Time Solutions continues to report 120 days late on a my credit report even though this account is closed by the original lender, been charged off, and sold. This is for a HELOC that was originally taken with XXXX XXXX XXXX in XX/XX/XXXX for {$60000.00}. The last payment on this account was XX/XX/XXXX. 

In XX/XX/XXXX the account was closed by XXXX XXXX XXXX and Real Time Solutions purchased the debt in XX/XX/XXXX. Since XX/XX/XXXX, Real Time Solutions has continued to list the account as open and report 120 days late every month since that time. This incorrect reporting on a closed account continues to damage my credit. 

In XX/XX/XXXX, I submitted an online dispute through the XXXX website, stating that this account should have been closed and is incorrectly reporting late payment history every month. The results from the dispute now shows the account is closed, but payment history continues to show 120 days late and payment status showing past due 180 days. 

According to the XXXX website the past due amount is {$53000.00} with a balance of {$72000.00}. The balance appears to grow each month as interest continues to accumulate, on a closed account. As this account has been dormant for quite some time, the correct balance is unknown to me due to interest on top of interest and erroneous fees added on by Real Time Resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/23 myr omputer was hacked and I.D was compromised. I had my bank do a wire transfer for me to a XXXX XXXX XXXX just to find out a few days later the acct. was fraudulant and my bank, key bank told me they were unable to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2021, I received a unsolicited check to my home mailbox in the amount of XXXX Dollars. The check came attached to a letter with Terms and Conditions. I contacted the XXXX XXXX listed on the letter to confirm that the check was real, as it is abnormal to receive a random check in the mail. The XXXX XXXX  Manager, XXXX, confirmed that the check was real and it was an invitation to apply for a loan with Covington Credit. XXXX stated I would not need to pay the full amount of XXXX listed on the letter sent with the check. I informed XXXX I would be paying off the entire balance by the end of the month and she told me that was fine and reiterated if I payed off the loan early, I would not need to pay the entire XXXX. Unfortunately due to an illness, I was unable to make the full payment by the end of XXXX. I called the store and informed XXXX I would need to pay late, to which she agreed. In XX/XX/2021, I made 2 payments, one of XXXX dollars and another of XXXX dollars. On XX/XX/2021, I called the Covington Credit store to ask about paying off the balance. I was told my balance was XXXX dollars. XXXX also encouraged me to continue making XXXX dollar payments so I could " establish time with them and take another loan. '' According to the literature sent to me by Covington Credit, if I followed the 9 month plan of XXXX dollars a month, I would need to pay XXXX dollars, so it is unclear how XXXX had come to this number. On XX/XX/XXXX, I called the store and asked to speak to XXXX, The girl that answered the phone, XXXX, was very evasive and refused to let me speak to her boss. I asked several times, and all she would answer was " regarding '' and then finally said she would not connect the call. I called again and spoke to XXXX, who stated she never told me I could pay less than the XXXX. I asked several times about how she arrived at the XXXX figure for payoff, and she refused to answer my question. She suggested I contact her corporate office and hung up on me. I left a message for her District Manager and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: DISCOVER BANK
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I first reached out to XXXX about unsatisfactory item. The shoes I purchased were stained and smelled funny. They were not in greatcondition like advertised in listing on website. I asked to return and refund and was told no. 

I reached out to XXXX. I sent proof ( pictures ) of the stained shoes and markings all over them and showed XXXX policy of items must look like what they are listed as, XXXX agreed they did not and were not in great condition. XXXX said if I returned the shoes they would issue refund. I returned merchandise to poshmark and provided tracking info. XXXX said XXXX agreed to the refund. XXXX said they saw the item was return per the tracking info and the refund was issued. 

I was waiting for refund and it was taking awhile so I asked Discover my credit card that is connected to my XXXX account and, the agent took over and initiated the dispute. A temporary credit was issued. Then poshmark responded changed their tune and did not agree to refund and Discover found in their favor. I reached out and asked why and found out they over looked many documents that I had send so the reissued a temporary credit. 

I waited several more moths and checked in regularly with them and they kept saying it looked like it would be found in my favor. I was worried and asked what would happen if it was not found in my favor. I was told on multiple occasions that they could do something in house to make things right. I found out today it was not found in my favor. I asked if they were going to do something in house to rectify this since I no longer had the product in my possession and, they said they wouldnt. 

I contacted XXXX and they said the case could no longer be reopened so Im looking to you for help. This is not fair. Im being required to pay for goods that I no longer have. Its not right. Its highly unprofessional that XXXX didnt honor their policy to begin with. Then for Discover to take over a dispute only to leave me with zero resolution or options moving forward and to pay for goods I no longer gave ownership of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: PA
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 tried to reach out to the companies numerous times about the inaccurate accounts but iv'e gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
This is actually Part 2 to the feedback I submitted earlier this morning after the company finally decided to respond to my original complaint on XX/XX/XXXX. 

MoneyLion takes days to respond to any email. I find it interesting they called ( XXXX ) and left a vm Friday XX/XX/XXXX in the am. I tried to call back later that afternoon and was on hold for several minutes. The menu never offered a " complaint '' department. I sent an email explaining I called back and didnt get to speak to anyone and advised them to email me. 

Yesterday I get 3 back to back calls from MoneyLion or as it says when you call back " XXXX XXXX '' and a vm from XXXX. I could not return her call yesterday. Then I wake up to this response conveniently after I have missed their calls. A whole 2 days and yet they took well over a month to respond to my complaint. 

I stand by what I said. I was told BOTH the membership and the loan would no longer come out of my account. I was NOT able to access my loan via the app after a certain time period. If I clicked on loan, it showed me a pie chart with the loan amount, due date and what was paid-that is all. 

Money Lion claims I use their services. What services? Please do explain how I benefited from this besides the loan? I can see the payment history, loan amount and balance remaining but what else? You say I'm still using your services for which the membership covers ... how? 
I havent logged onto this app in weeks-in fact it's no longer on my phone and hasnt been for awhile. 

I plan to repay this loan off as I did take it out but I will NOT tolerate half truths or MoneyLion trying to conveniently do things to point things in their favor such as finally calling me just days under the 30 days of the complaint and then jumping on here to respond just one day shy of the 30 days from the original complaint to make it seem like I am the one not cooperating. 

I called back XXXX this XXXX. She left the vm with an extension which once again there is NO option for. Spoke with XXXX and told her to have XXXX call me back or preferably email so I can document ALL communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX is a victim of identity theft and fraud. As a result, this is the third time that I am writing Transunion to Remove these FALSE and INACCURATE ACCOUNTS ON MY CREDIT FILE. For the third time THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. If this continues I will pursue legal action.

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 2021-09-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I am interested in purchasing my XXXX leased vehicle and I feel I am being treated unfairly. 
I leased my XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX for a 36 month term. My Lease Agreement has a purchase option at the end of the lease term in the amount of {$22000.00} and a Purchase Option Fee of {$300.00} as stated in Section 6. Important Terms, of the Lease Agreement Details in Section 15 of the Lease Agreement further outline the terms of the Purchase Option as follows : You have the option to purchase this Vehicle AS IS from the originating dealer, or other location we specify, in case for the Purchase Option Price, plus any official fees and taxes, vehicle inspection costs required in connection with the purchase, and a Purchase Option Fee of {$300.00}. I understand that there will be other official fees such as Taxes and Registration etc. but on XX/XX/XXXX, my husband and I visited XXXX XXXX to Purchase my Vehicle. We met with the Finance Manager.

He presented us with a Purchase Option price of {$25000.00} not including official fees and taxes ( if applicable ) total buy out including taxes was quoted at {$28000.00}. When we told him that the Purchase Option price did not seem right, he angrily said This is NOT NEGOTIABLE and if you do not like it, you can leave now. We asked for a breakdown of the Purchase Option price. He gave us the following : {$22000.00} Purchase Option price {$300.00} - Buy Out Fee {$490.00} Early Termination Fee {$1900.00} Dealer Fees Plus Taxes When we questioned the Dealer Fees and pointed out that this is no where on the Lease Agreement, he got angry. I asked the finance manager to show us where this fee is located in my Lease Agreement. He referred to Section 6, and Section 15 as referenced above, which does not include a dealer fee of {$1900.00}. His explanation was that everybody has the right to make a profit. This goes on his police books and he has the right to charge whatever he wants. He continued to say that he can break it down however he wants and charge me whatever he wants and if we dont like it to go somewhere else. I continued to question this section and he became irate and asked us to leave.

Company response to consumer: Closed with explanation