BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: LendingPoint Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Over several day of applying for a personal loan, I got a phone call from a guy that said his name was XXXX from lending point. After a few hours of going thru everything he said I got approved for a XXXX loan. He contacted me and said he needed to verify my bank account. He kept me on the phone as this was going on. I got Leary if the way he was trying to verify the account so while on hold I searched the company name online. Everything seemed legit, the name, the reviews were ok, he even sent like a contract thing to me with the company logo and it matched the website. I gave permission to verify my account, he was depositing money in the account and I was to verify the amounts and send back which I did they Cashapp. While reviewing my account the same amount was deposited again. I called him and he stated that his college had sent the amount back to my account on accident so I returned it to him again thru XXXX. When I returned it he said to send it to a XXXX XXXX, which I did. After he said it was all verified he said he would have the paperwork done and money deposited in my account within the hour and we hung up the phone. I checked my account again after about a half hour and there had been XXXX more deposits of XXXX and XXXX of XXXX. I immediately contacted him and told him to stop everything that I was very uncomfortable if that kind of money going thru my account. He said it was a server error that they were working on and give him some time to get it fixed and that all that would be erased as if it was never there. While I was waiting on all that to clear up I decided to check the phone number he called me from against the phone number online to the lending point, they did not match so I called the number on line. A lady answered and I asked to speak to XXXX, she said I'm not sure if there is anyone here by that name and put me on hold. When she came back she asked what he was helping me with and I told her he was helping me with a loan that he was verifying my bank account and was to get back with me and I had not heard from him in over an hour or so at that point she told me that they would never ask for my bank account information at all so I knew then that I had been scammed I immediately got off the phone contacted my financial institution told them what was going on and then I contacted cash app and reported that money being transferred as a scam they are investigating as of right now and my financial institution had me change my online user ID and password and issued me another debit card. That was the last time that I heard from anybody I contacted the guy XXXX a few days ago and told him I wanted my money and he hung up on me all I have for him is a phone number and the false information that he gave me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2019 I receive Ofer from credit card company Wyndham rewards visa for 0 % Apr for 12 months I applied and got Approved I call them to do balance transfer from from my wife credit cards discover of the amount of {$2900.00} After 1 month I got the Statement from XXXX card and I sew that the balance Didnt go through so I called Wyndham rewards and start to get a lot of lies from them its all ready Past 7 months and they didnt respond back to me in the mean time I paid both credit cards for Wyndham ( yes they charge me {$2900.00} ) and the XXXX card that I paid high interest rates ( 24 % ) in the last 7 months I called the company every week and still didnt get respond they just give me different case number the last one I got was XXXX XXXX Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is bothersome! The Credit Bureaus have kept reporting the fraudulent information on my Credit Report without properly verifying the disputed accounts and information. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted du to identity theft. I have been submitting multiple dispute letters attached with my complete identifying documents as well as the Identity Theft report I received from the FTC. The items I am disputing does not relate to any transactions that I have made or authorized, neither did I allow anyone to use my information to do transactions on my behalf. I am submitting this CFPB Complaint to request that the Credit Reporting Agencies remove the disputed items completely from my Credit report : 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 Balanced Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The Credit Reporting Agencies have failed to provide me copies of proof of verification or any documents bearing my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please remove XXXX XXXX  from my report asap. This account has been settled and has been promised to be removed by the company but is still reporting on my credit. Which is damaging my credit and making me unable to obtain housing. I have attached a Letter showing XXXX XXXX agreed to remove the account. Please Update as soon as possible. Thanks for your timely assistance and understanding

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 2021-11-12
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:
The credit bureaus did not comply with their own policies in a timely manner. 
Please remove the negative items reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/2023 I submitted a identity theft alert to XXXX  for Experian and XXXX for rental screening reports that listed an address, an account, payment history tradeline, and public records to include an eviction that all resulted from identity theft. On XX/XX/ Experian updated and concluded information listed associated with XXXX XXXX XXXX XXXX, NC XXXX and Account name- XXXX XXXX would be deleted from both my credit and rental report. On XXXX Experian Rent Bureau  sent an email via XXXX stating that information was accurate. XXXX XXXX did not provide any tangible evidence that I signed anything related to this property for renting purposes. Rent Bureau is trusting the verbal acknowledgement that forged lease agreement are viable to prove this is my account and rental history. XXXX XX/XX/2023 XXXX RentBureau case number : XXXX advised that nothing can be done on my part even with a police report and active investigation after data furnisher- XXXX XXXX, XXXX which managers the property that was fraudulently rented. XXXX stated that I, although am a victim theft can not stay on hold to speak to a supervisor, no matter the urgency of this matter. Rent Bureau- XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number : 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 2017-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
An unidentified vendor has been charging my checking account {XXXX}, every week since XXXX/XXXX/XXXX. I have n't been able been able to identify who the vendor is. On my Bank of America checking account, it just says the following : XXXX ( 4-digit date, i.e. " XXXX '' ) Social Payments XXXX CA ( transaction number, i.e. " XXXX '' ) Please help! I thought this might be for social media, but it does n't appear to be connected to any of the other accounts I currently pay for ( like XXXX or XXXX ). 

Thanks for any help you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ic system has placed a collection on my credit in regards to a XXXX bill that I have no responsibility for. I have not received any validation for this debt or any letters from this collection company. I dispute the account in its entirety and have also filed a claim with ftc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I had XXXX credit cards with USAA. Both cards were charged off by USAA in XX/XX/2017. I have requested a 1099-G for both cards multiple times from USAA and they have refused to provide the form for the charged-off accounts. USAA also continues to report this account as delinquent every month since the charge-off even though the account was closed on XX/XX/2017. I have requested USAA fix this multiple times, and they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
Disputed with XXXX XXXX, Equifax and XXXX and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report.

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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made an additional principal payment towards the principal of our mortgage. I sent the coupon from the bottom of the statement and wrote in the amount of {$13000.00} which was to be put towards the principal only. When I reviewed my account on XX/XX/XXXX I noticed that they had put around {$8000.00} directly towards principal and applied the remaining {$5000.00} to interest, escrow and " fees. '' I contacted them via email on XX/XX/XXXX to explain that this payment was for additional principal only. As of today, I have not received an email explaining why this payment was incorrectly processed. On XX/XX/XXXX I made a principal payment of {$30000.00} and that payment was posted exactly as it should be. I have never been late and pay extra on principal nearly every month. I want this reversed and the entire {$13000.00} applied directly to principal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a lease ( XXXX XXXX ) XX/XX/XXXX, the car was sold at auction XX/XX/XXXX in XXXX. The plates were never returned to XXXX by the XXXX XXXX dealership, when the car was sold it appears the plates were still with/on the car. XX/XX/XXXX, I received a parking ticket for the vehicle that I have not owned for 3 years. After contacting the leasing company they issued me a letter stating the above so the court ( XXXX, NJ ) would dismiss the ticket. Separately I contacted XXXX via their Customer Advocacy Office in XXXX, requesting them to mark the plates as lost. They declined indicating I was no longer listed as the owner ( even though the plates are still in my name ) and that request has to come from Infiniti/Nissan. After weeks of back and forth calls with Infiniti/Nissan, they said they will only provide the previous letter issued and advised I should report the plates as stolen. Technically the car was not stolen, but the license plates are being used illegally. I was told Infiniti/Finance checked with their legal department and declined my request, I asked to speak with someone in that department and was told they would not speak with me. I spoke with an attorney and she advised filing a formal complaint as Infiniti is clearly at fault for not returning the plates, or catching that they were still on the vehicle when it was sent for auction. As this was my first lease I did not know that I was responsible for returning the plates since the plates were sent to the dealership upon my purchase of the vehicle. Infiniti finance has closed the door on assisting, when all XXXX is requesting is one sentence be added to their letter. I even checked with the local police department to see if they can assist and they advised it was the responsibility of Infiniti to work this out with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( ARKANSAS OFFICE OF CHILD SUPPORT ) that you are reporting in my credit report

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 2023-08-09
Company: MoneyLion Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I found out on XX/XX/23 that my checking account with Money Lion Bank had been closed due to unusual activities. I checked my transaction history and there was nothing unusual. I had approximately {$350.00} in the account with pending bills coming out later in the month. When I contacted the company through chat I was informed it was closed due to unusual activities again, I asked for them to explain what unusual activities. The had no response. I then called the The bank again to speak with someone and Asked what unusual activity they had seen, and asked them To explain it to me. They had No explanation. 
I told them that All of the transactions on the account were normal and that nothing was unusual. The gentleman informed me that if I approve of the transactions, If I submitted my Driver 's license and proof of address they would reopen my account. I submitted the forms, a few minutes later I got another email from them saying my account was closed indefinitely and there was nothing they could do. I called them again And ask if my account was going to be Reopened? They told me no that it was closed indefinitely due to unusual account activity. I ask again what account activity is there something I am not seeing? They said there was nothing they could explain and that the account was closed. I had approximately {$350.00} in the account with pending charges at the end of the month coming up. I have no way to pay these bills now. And no way to recoup the money that was in the account because they told me they would send it to the fund originator and the business I work for It's not set up to take returns on money that they send out for payroll. I feel as though that this bank is predatory. And they took my money with no way for me to pay bills or recoup the money From them I could open another count somewhere else, but how Am I supposed to get the money back from 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 non-monetary relief
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my Equifax credit reports and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2017. I was only looking they were only authorized to conduct a soft pull. I sent them a letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-10
Company: AmeriCollect
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had numerous calls to recieve the original purchase agreement to show that they are the legal owner of the debt and for the terms and agreements of the debt since late spring around XXXX or XX/XX/2022 and XXXX of 2022. 
I have asked for all the documents to be sent to the adress in oklahoma but has never recieved any sort of paperwork for any documents requested. Furthermore the reason for my request is to see if there were any H.I.P.P.A violations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation