BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-08-12
Company: EQUIFAX, INC.
State: MS
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:
Equifax want let me Dispute these fraudulent items. When I call them they tell me they cant verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had a numerous amount of unauthorized transactions posted to my account from XX/XX/2020 to XX/XX/2020 by the ride sharing company XXXX. I have tried to get this issue resolved by my bank but unfortunately to no avail. 

Dates and Amounts : XX/XX/2020 {$19.00} XX/XX/2020 {$17.00} XX/XX/2020 {$12.00} XX/XX/2020 {$11.00} XX/XX/2020 {$21.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$43.00} XX/XX/2020 {$12.00} XX/XX/2020 {$12.00} XX/XX/2020 {$22.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$26.00} XX/XX/2020 {$26.00} XX/XX/2020 {$29.00} XX/XX/2020 {$37.00} XX/XX/2020 {$33.00} XX/XX/2020 {$25.00}

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 2020-12-08
Company: ALLIANT CREDIT UNION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Alliant Credit Union XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BOEING EMPLOYEES CREDIT UNION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : Boeing Employees Credit Union XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Venmo froze my account with no warning with over {$5500.00} in it. After reaching out to the company and getting the runaround for several weeks I received two dismissive emails from the company saying they would not release the money and might possibly keep it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Throughout the month of XXXX, I attempted numerous times through 45+ minute hold times, emails & faxes to obtain a payoff letter for a XX/XX/XXXX closing date. Payoff letter finally received and sent to title company. Closed on XX/XX/XXXX, wire sent from title company to Amerihome. XX/XX/XXXX, Amerihome rejects payoff amount and issues a new payoff letter $ XXXX more and wants interest accrued since XX/XX/XXXX. 
Nobody answers the phone - they literally say call volume is too high and won't answer. 
The title company is holding the funds and can not get in contact with anyone at Amerihome to communicate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I entered into a consumer credit transaction for a XXXX XXXX XXXX XXXX vehicle with Carvana, LLC. I have sent affidavits certified to Carvana and their XXXX XXXX informing them that my contract was fraudulent and misleading which were delivered on XX/XX/XXXX and XX/XX/XXXX. These were all Federal violations of the Truth In Lending Act which included falsely stating the finance charge ( 15USC1605 ( a ) ) by not including my insurance with the finance charge as well as not providing me with the proper documents and disclosures of my right of rescission ( 15USC1635 ( a ) ). I demanded my right of rescission, monetary relief of {$30000.00}, an audit trail and account records of the transaction, the title to the vehicle free and clear, reimbursement for all insurance payments made Pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) for Criminal violations as well as Civil violations Pursuant to 15 USC 1611 due to their negligence. I received a response dated XX/XX/XXXX only stating that I still owe the debt and nothing further. I have included all the Federal Consumer Protection Laws in the affidavit mailed to them proving their violations of the Truth in Lending Act and they failed to acknowledge and respond accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On Saturday, XX/XX/XXXX, I submitted an electronic application for a mortgage refinance through XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX, a XXXX XXXX  XXXX at XXXX started the initial processing of our application yesterday, which of course included a credit check. Today, XX/XX/XXXX, within a span of XXXX hours, I received XXXX separate, unsolicited calls from other mortgage providers, as well as unsolicited text messages. I asked a few of them how they got my info and they said it was sent to them by Experian as a result of my credit check. XXXX person called me XXXX times in a row after I answered and forcefully told him to stop calling. He called again and threatened me, saying Experian gave him all my personal info and he would be putting it all over the internet. Within an hour of that call, I got XXXX text messages about alleged purchases that I did not make. XXXX worried that this person was given my social security number, credit card accounts, and home address! Ive reached out to Experian via social media and was asked to contact them via direct message. I did that and received no reply.

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 2022-02-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My complaint is more than about repayment options. my student loans have TRIPLED in the time that I've had them. There were many times where I tried to do income based repayment and the payments were too high I attended the University of XXXX in Michigan and was encouraged to even go back for my MBA. this school had me in an " e-business '' curriculum.

When navient reported my loans late it tanked my credit score and I almost lost my job ( I'm a XXXX XXXX XXXX ) and my credit score is important. 

I won't be able to purchase another home with student loan debt near $ 300k!!! 

They pushed me to forbearances and consolidations ... this whole experience with navient and these loans and school have damaged my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I opened an account with Coinbase last year and have been transacting in the account since. For no apparent reason I was asked this week to upload my drivers license ( Note : I had already done this when I first opened the account ). I have now been denied access to my account, despite multiple license uploads. They have not only given me no explanation for this, but have sent me texts to notify me that my account was now accessible, when it is not. I have been denied access to my funds and appear to have no recourse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it May Concern, I am writing this letter in regards to a collection that is on my credit report. It seem that this collection account is being passed around and I have submitted several letters to resolve this issue. 

The creditor is SOUTHWEST CREDIT SYSTEMS, L.P. for XXXX XXXXXXXX XXXX. I don't own and have never had an account with this company. I am asking for this account to be removed from my account. I have filed an report with the FTC about this report and they have listed it as a fraud on my account. This was placed on my XXXX report on XX/XX/2018. Please see attach fraud document. I have sent this information to the credit bureau also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Boat loan M & T Bank act number XXXX. I make over my payment ever month They will not apply my over payment to my principal. They moved my payment out to XXXX XXXX XXXX I want to pay my principal down

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 2020-11-30
Company: EQUIFAX, 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:
Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
I saw this collection on my credit report and requested a validation of the debt from Portfolio Recovery Associates , LLC, the collection agency on XX/XX/2023. As you can see from the attached documentation, the request was received on XX/XX/2023, but I have not received any of the requested documentation within the required 30-day time frame. Therefore I would like to request that Portfolio Recovery Associates, LLCstop reporting this collection to the three credit bureaus. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have paid off my loan for XXXX in full and have tried to cancel my " membership " in Moneylion so that I can be refunded the money owed to me from membership fees which are supposedly held for me as an investiment. But I am either unable to reach the company by phone or email and when I finally do reach them after spending literally 90 minutes waiting on the phone, I am told that I can't cancel my membership until pending charges are processed. I was told that this would happen by XX/XX/XXXX but when I reached them they keep procrastinating and refusing to cancel my membership. According to my accounting, besides paying the loan and interest in full, I paid an additional XXXX as membership fees which are supposed to be refundable when I cancel my membership. Because I already withdrew XXXX, I should be owed XXXX. Instead I was told that I would be refunded XXXX This is fraud and not right. I want my membership cancelled immediately and I would like to be refunded the XXXX owed to me. 
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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2018-05-23
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2020-12-08
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:
I have been receiving notices of dark web activity from my XXXX XXXX XXXX XXXX since XX/XX/XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; XXXX refused to remove any inquiries. Around XX/XX/XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  XXXX, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Resurgent Capital Services L.P.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This company is violating the Fair Credit Reporting Act, specifically, 15 USC 1681s-2 ( a ) ( 5 ) ( A ). As they are failing to report the alleged date of alleged first delinquency. A violation of the FCRA is a per-se violation of the FDCPA and a violation of the FCRA and the FDCPA is a per-se violation of the AFDCPA ( Arkansas Fair Debt Collection Practices Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Veros Credit, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I was sold a XXXX XXXX by XXXX XXXX XXXXVerdis credit, that unknowing to me had a bad transmission that the dealership refused to replace after it went out in only 8 months into the purchase. I was force to pay a {$2500.00} down payment on the same vehicle, even though I received total financing for the vehicle. I was also forced to purchase insurance on the same vehicle before being allowed to leave the car lot. I believe that XXXX XXXX XXXX along with Veros credit knowingly deceived me in my buying process and forced me to pay moneys that were already allotted. I was charged late fees and the vehicle was repossessed in retaliation of my request to have the vehicle repaired. They also failed to explain the complete purchase contract in accordance with the Truth in lending Act. They violated Title 15.1635 ; 1605..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THESE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND NAME. I HAD NO KNOWLEDGE THAT THESE ACCOUNTS WERE ON MY CREDIT FILE UNTIL I RECENTLY PULLED MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Peoples United Bank XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX didnt give those companies to pull my credit

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2019-10-07
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I disputed this account they removed the account now I receiving letters to pay within 30 days I sent in a certified letter of validation only for them to send me a copy of the account no signature and the end of the statement amount is left blank please remove this account and I do have a report where this account was deleted delete and remove from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Once again I am unable to log into the citi app to pay my bill. This is my second complaint this month about being unable to pay my bill. If I'm charged any fees or interest over this please understand that I will sue and I will win. You must take my payments.

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 2020-11-30
Company: Collections Acquisition Company, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX 2020 i disputed the items with XXXX  about i have already the debt to the original creditor and they have not remove it from my credit

Company response to consumer: Closed with explanation