BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-24
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
After receiving a bill, I initiated a dispute on XX/XX/22 for a charge at a hotel I did not make. Then, I received another letter that included a late fee. I was told to pay the amount because it would be reported to the credit Bureau as late if I didnt pay the amount owed while in dispute. I didnt want my credit to be affected so I paid the amount. I have been in communication with Citi XXXX and most recently I received a letter stating that I cancelled with the merchant and they refused to issue a refund and closed the dispute. The charge was made in NM and the proof the merchant provided is not my name or signature. I have not received a refund for the amount paid or the late fee. I paid {$180.00}.

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 monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX XXXX XXXX XXXX Account # XXXX 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 2019-02-09
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for loan forgiveness in XXXX of 2018. I never heard anything back. That is, until today when I emailed them and was told my teacher loan application was denied because I filled out section 3. I checked the correct box and nowhere on the form does it say " Do not fill this out unless previous loan forgiveness obtained. '' The email said nothing about a next step. Just " Please let us know if you have any questions ''. Are you joking me? Now I have to wait another 3-5 business days to hear back about what I need to do to fix a problem that shouldn't exist. After it is fixed I'm going to have to contact Edfinancial every week to make sure my application gets accepted. This is absurd. I'm paying interest on a loan that should have already been forgiven and the company the government chose for my student loans won't even contact me when my application is denied or approved. They certainly know how to milk every last bit of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am writing to formally lodge a complaint concerning several inaccuracies on my credit report, which include multiple attempts to add inaccurate addresses, collections accounts, and inquiries, some of which are suspected to be fraudulent. These inaccuracies are adversely affecting my creditworthiness and financial well-being. I request your prompt assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies requiring your immediate attention for removal : 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 


I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Non-compliance with the FCRA can lead to legal consequences, and I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.

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 2023-01-24
Company: SYNCHRONY FINANCIAL
State: MI
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 and XXXX are reporting a charge off for SYNCB/TJX CO XXXX Charge offs are income and may not be reported on a consumer report. I have not received a XXXX. This account report shall immediately be deleted from all consumer reporting agencies.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # XXXX XXXX XXXX XXXX Account # XXXX 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 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 2022-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Empower Finance, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got a loan disburstment into my account that i was told was ok to do it was from a ppp loan the XXXX XXXX XXXX XXXX XXXX they put the money in the account and then the bank froze the acvount and i have been going back and forth woth them for almoat 2 months no resolution i cant talk to anyone on the phone they say email only i cant talk to a manager or anyone for that part amd they wont disclose to me why this is happening and i was told to send all the documentation and i did but its been circles for almoat 2 months now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
To ALLY FINANCIAL. 

It is unbelievable the XXXX I have gone through these past few months thanks to this financial company 's horrible business etiquette. To give a brief synopsis I have lost many sources of income, got behind on all of my bills, damaged my credit, lost my home, lost my job, lost my cell phone. I've been homeless and on the streets. 
Being on the streets I've been harassed and feared for my safety and have been slowly stripped and robbed of all my belongings from kitchen appliances to living room to my socks and all in between. Just 9 days ago I lost the last bit of clothing/shoes I own and my father 's ashes. 
All thanks to ALLY declining to FIX MY CAR THAT THEY BROKE TO BEGIN WITH, my life HAS BEEN DESTROYED. Their GREED FOR A FEW XXXX THANKS TO DAMAGES I DID NOT CAUSE WAS WORTH SACRIFICING MY LIFE MY WELL BEING AND MY FATHERS ASHES!!!!!! 

To clarify, I paid to redeem my car after it was repossessed and the transmission was broken and ALLY haS the audacity to charge me monthly when my car was broken because of ALLYS negligence in towing my vehicle and after ALLY ADMITS IT WAS BROKEN IN THEIR POSSESSION, ALLY turns around without any thorough inspection and say " it probably broken because of the way I drive which is just total assumption and no way justice for doing a XXXX in making a final decision. I have video evidence for XX/XX/XXXX showing my car driving perfectly fine which is the night before it was repoed. Additionally I have a diagnosis from a mechanic assessing my vehicle and an email directly FROM ALLY FINANCIAL ADMITTING FAULT.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are so many questions that are popping on my mind now. Like why are you doing this kind of thing to people appealing to your company? Oh! I forgot! YOU HAVE DONE NOTHING! You there at Experian are really hilarious. The other bureaus have already deleted the account below but you still managed to report this fraudulent information on my file. So hows that?! THIS IS NOT ROCKET SCIENCE YOU KNOW? Now, I am sending my dispute letters again along with my FTC report. I dont know if youll be doing it right this time but let me tell you that you are allowing slander on my credit report! So follow the law under FCRA DELETE this item now! 

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 2023-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote out a check to my mother, XXXX XXXX for {$2500.00}. She then attempted to cash in the check using the Bank of America mobile app, and I saw that the money had left my checking account. However, she never received the money in her account even months after attempting to cash the check. Both of us have repeatedly called Bank of America, who acknowledged that my money was missing from both of our accounts and opened a missing deposit investigation. However a week after that, I received a mail letter saying that after the investigation, no adjustments will be made on their part.

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 2023-06-26
Company: World Acceptance Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights World Finance Company has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
2021 I applied for a credit card through XXXX XXXX. A company called First Progress. I sent a {$500.00} deposit. After sometime they requested the same information I had already sent again. I sent it again. Nothing still. Then a second time they requested the same information, again. I contacted a consumer agent with channel XXXX news. Which they never responded to. They dont have clear instructions on how to contact them. There is also no way to contact XXXX XXXX. Time continues to progress and I still dont have a card or the money. I would like to use XXXX XXXX to build my credit, by applying for another card, but I cant do it under these circumstances. I have all correspondence between the company and myself. Including a copy of deposit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: LendingPoint Holdings LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My loan was for {$2000.00} starting in XX/XX/2022, I have made payments in the amount of {$1800.00} and {$200.00} which should pay off the loan. But they are still asking for more payments. Their contract also stated they would refund me the interest if the loan was paid in full ahead of schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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 XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 with my written instructions.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FTC Report Number XXXX XXXX XXXX XXXX Case number XXXX I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. 

I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. 

I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 


Your complaint case number is XXXX. If you provided an email address, you will receive an email with a link to your case within approximately 48 hours. You may click here to print a copy for your records. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution.

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 2023-02-06
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain

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