BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: ID
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 checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an alert that my account was closed. I then called XXXX XXXX and told that my credit card account was suspended because of a return payment of {$64.00} on XX/XX/2018. I then contacted my bank and this was returned not because of my mishandling but due to my banks. I have a letter from my bank stating this and I would like my account to please be re-opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I'm a XXXX XXXX and XXXX XXXX and XXXX XXXX with over ten years of experience. Any work during these unprecedented times is a true blessing. I was fortunate enough to XXXX a XXXX XXXX XXXX last month and spread commerce by XXXX a couple local crew and vendors. I was paid {$6000.00} for the XXXX ( a bargain for the client! ) and I received the check on Saturday, XX/XX/XXXX. 

I deposited the check into my Bank of America account on Sunday, XX/XX/XXXX. I then received a notification that the money would be held in its entirety until XX/XX/XXXX, over 10 days later. I attempted to call Bank of America today, XX/XX/XXXX, as they were closed yesterday for XXXX XXXX. I spoke with 3 different representatives, including a supervisor in XXXX, who all told me there was absolutely nothing that could be done and I would have to wait until that day. I asked the supervisor if there's anyone else I could talk to and she said there was absolutely no one above her and no one could help me. Her name is XXXX and her employee number is XXXX. I explained to XXXX and the other representatives that I need this money to pay my back bills and my crew/vendors. I'm a freelancer, and this is how it's always worked. They told me because I've never deposited a check from this particular bank before, the funds would be held until that assigned date. I asked if any of them could please call the bank or contact them to verify the funds or at least make the date sooner if possible, and I was met with absolutely no help. I've been a customer at Bank of America for over 15 years, but it just doesn't matter. 

We are in a pandemic, and everyone is swimming upstream at the moment. I'm not trying to pull one over on anyone, I'm just trying to get access to this money to pay my crew. This is affecting my job, my reputation, my livelihood and my life. Please help 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 2019-09-11
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 o sent my sister XXXX XXXX {$120.00} through The app Zelle, which I have sent money to and from multiple times. I have been getting misleading information about where the money is since my sister still hasnt revived the money and I still have yet to have the money back on my account. My bank XXXX assured me the payment went through which I could see on my statements and money was deducted. Zelle has been giving me different answers since the first call I made to them. They are telling me my payment failed when I could see that it clearly went through. They are not helping me, I keep having to speak with different people to get my own money back. My bank XXXX told me I couldnt dispute since it was a Zelle transaction but I disputed it anyway to see if they would just pull my money back anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am extremely frustrated with being ignored by a company that refuses to answer me. On XX/XX/2020 and XX/XX/2020, I wrote to the bureau to fix clear inaccurate information on my report with no response. I'm tired of being ignored. Its crazy to be ignored even when I sent certified mail to a well known company. I have attached all letters including a new letter that I'm sending off today certified mail. Hopefully, someone can make them do the right them.

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 2020-06-29
Company: Experian Information Solutions Inc.
State: IL
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 found out in credit report a few accounts which were not opened by me. They all were opened in the same period and year. I am sure that was fraud because I have never opened them before. I never gave permission to open them and did not sign any documents. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2018-08-23
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has inactivated my account without explanation. Further they asked for copies of my ID which I provided and they refuse to either restore my account or in the alternative cancel it. I do not want my credit card information in a suspended account. Recently the PayPal made additional request for a copy of my bank statement which I, under no circumstances, will comply with in any form. At this point in time, I would be satisfied with a simple closure of the account but told Paypal to either reactivate account or cancel it. PayPal refuses to do either. Further, PayPal offers no explination of their behaviour. My account has been open since 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX   XXXX {$6900.00} XXXX XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/2017 compensation or interest due was never received or reported by trustee. Servicing company can not make presentment on the behalf of someone else without it being certified by an attorney. No file was found in investigative search.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received a letter providing notice of dept collection. I have never received any phone call in regard to this dept collection. I have no idea what this is about despite my attempts to gain additional information. 

Simon 's Agency did remove this negative note from XXXX XXXX and XXXX, but NOT XXXX. 

I have excellent credit and do not want this on ANY of my records and kindly request that this incorrect dept be removed from ALL THREE credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Ditech Financial LLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
loan XXXX have attempted to get a loan modification several times Ditech has used my social security number without my authorization Ditech says this is a factor to qualifying for assistance and modification which they can not do Ditech has pulled my credit without authorization Ditech now tells me that's their policy I never allowed it I have contacted the investor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a {$1800.00} payday loan from ACE Cash Express to help me pay rent one month. I was following the payment plan for 2-3 payments as scheduled. I worked in a tipped wage job and business slowed down and I struggled to pay my immediate bills and was not able to pay my scheduled payments for the payday loan. This continued for several months until ACE Cash Express sent my account to a collection agency. This agency, which claims they work for ACE Cash, has employed a locating service which I believe is using unfair and unethical practices to locate and intimidate me. They have called me up to 10 times in a row and left messages stating that I was being " served '' in accordance with some legal action but was not told who the debt was with nor the amount. These calls were also made to my family members, some to extended family members in other states. They were also called several times in a row and left messages as if it was my telephone number and the messages included the same legal action threats and that I was being served. I believe the company knew they were contacting someone other than myself and still left messages containing personal information as a way to slander me and have family members contact me. These calls were also placed with my personal friends with the same revealing messages and then they began calling the owners of the company I worked for. All of these people received phone calls back to back on several different days, to the point of harassment. They all received the same threatening and personal information about myself. ACE Cash has had a judgment against them for their debt collection practices back in XXXX and apparently they are continuing these practices today in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: American Credit Acceptance, 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: Investigation took more than 30 days

Complaint:
This company is reporting to the credit bureaus inaccurately. I was given a deferment in XXXX for the months of XXXX and XXXX. Then they reported to the bureau that I was 60 days past due causing my credit score to go down. I was not 60 days past due once the deferment hit I was told it would correct my account and it did not it only updated to show that I was current. I want the 60 day past due to be removed as I paid my account up in full in XXXX and then again ontime for ongoing payments in XXXX. I have always kept my account in good standing and I want this corrected ASAP this is ruining my credit. 

XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: QC HOLDINGS INC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I was contacted by a company qc holdings claiming i owed a cash loan company for. XXXX loan XXXX they wouldnt send me a copy of bill or tell me what the loan companys name address or phone number they had all my info but all they wanted was for me to pay or they would sue me..they said contact trump for stimulus check and bung up they called from XXXX..refused to give me any info except amt and for me to pay with no information provided and they hung up

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 2021-06-01
Company: MoneyLion Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX and I'm trying to close my account again with MoneyLion that someone reopened using my information and already linked a Bank account to it and I have contact customer support and talked to them about it and they won't do anything about it and I believe someone is trying to take over my account and nothing is getting done about it and I even asked customer support to lock my card that i never received and if they could lock my account because I feel like my account is hacked and i feel like customer support don't wan na help resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, and XXXX XXXX acct # 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: NY
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 PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint against Transunion, XXXX for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite XXXX written request, Transunion failed to resolve the matter and continuously responded back that the information was " verified '' with no documentation to support the method of verification or accuracy of the disputed accounts. The FCRA law is clear regarding my rights and Transunion have caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.

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 2019-01-17
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has applied my extra principal payment to escrow and has not corrected the issue in over 7 months. I made an extra principal payment of {$500.00} on XX/XX/XXXX which posted on XX/XX/XXXX as additional escrow payment. I contacted them ( representative name and I.D . number available ) around the XXXX  or XXXX  of XXXX   upon reviewing XXXX  statement, noting the above change. I was told that it would be corrected by XX/XX/XXXX. After reviewing the XXXX statement with no change, I contacted them again on XX/XX/XXXX ( representative name and I.D . number available ) and was told the issue would be corrected by XX/XX/XXXX. I again contacted Freedom Mortgage on or about XX/XX/XXXX requesting that the matter be resolved and to send me transaction history. The payment amount changed on my monthly statement for XX/XX/XXXX and there were no fewer than 16 transactions applying and reversing payments in regards to escrow, monthly principal and interest. The extra principal payment still has not been applied and the matter had not been resolved. I've called twice during XX/XX/XXXX and spoke with representatives trying to resolve this ongoing issue and patiently waited for results. Again, there are about twelve transactions applying and reversing payments without correcting the problem. Additionally, Freedom Mortgage has changed my monthly payment amount without notifying me and used funds applied to extra principal to pay changes in monthly interest without giving me notification. Concerning the loan, I have consistently made monthly {$500.00} extra principal payments since inception. By changing the monthly payment amounts during XX/XX/XXXXit has created a supposed shortage in the escrow account which in turn has changed my current monthly payment twice to a higher amount during XX/XX/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 2021-06-01
Company: EQUIFAX, INC.
State: NY
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 PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have contacted Transunion, XXXX, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : 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