BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: MoneyLion Inc.
State: LA
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:
To whom it may concern : I received a copy of my Consumer report, and I noticed some late payments on my credit report : XXXX XXXX MONEYLION INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: General Motors Financial Company, 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:
I contacted GM Financial on XX/XX/2018 to request that my payment be moved to the end of the loan for my XXXX  XXXX XXXX. I spoke with a rep who said that all I had to do was pay XXXX or something like that and my request would be granted I made the payment with the rep and she said the request was approved and took care of other things I need to take care of financially. The rep called back and said my request got denied because my account was to new and I explained to her I had already used the other portion of the money for other things and had she told me while on the original phone call that my account was to new and it wouldn't be approved I would have just made the entire payment but I didn't cause she stated the request was approved and I was ok. Gm Financial reported my account as 30 days late in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Ally Bank - I scheduled a deposit of XXXX from an external credit union to arrive at Ally bank on XXXX  The amount should have been XXXX. Due to my mistake in the withdrawal amount, the transfer failed. Ally notified me on XX/XX/. On XXXX, I immediately moved money from another Ally account into the checking account to cover the missing transferred money. I then called Ally to work through correcting this issue. 

The problem is Ally froze XXXX across 5 accounts making my available balance negative even though I had positive ledger balances in the accounts since I transferred funds immediately to cover the missed deposit. They froze my funds and refused to release the hold until XXXX. I begged, I requested escalation to management and every person refused 100 % to release the holds despite of the fact I had plenty of money in the accounts. I maintain approximately {$20000.00} average across 8 accounts with Ally and Ally shut my account off for 5 days despite having a positive ledger balance.

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 2019-03-15
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:
XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. XXXX XXXX XXXX refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. XXXX has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with Tran-Union, XXXX provides additional false information to them which I have documented. One example is how XXXX put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to Trans Union. XXXX refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from 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 explanation
Consumer complaint received 2017-12-19
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:
REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had an account with Equifax since XXXX, and the products I pay for monthly are Score Watch XXXX   XXXX XXXX and ID Patrol XXXX XXXX XXXX. My account with Equifax reports that I currently have two " open '' home mortgage loans. My home mortgage loan that began in XXXX was paid in full and closed with the bank in XXXX of XXXX, so should have been removed from my " open '' to " closed '' accounts at that time. Although I maintain an Excellent credit rating, leaving the " closed '' mortgage " open '' on my Equifax report is not only inaccurate, but lowers my score. I have circled back with the bank to confirm that they did notify Equifax when the home mortgage loan was paid off. It's also important to note that this home mortgage loan was closed on both my XXXX and XXXX  reports at the appropriate time. 
I have made a number of contacts to try to resolve this issue with Equifax, including calling twice and talking to a representative, and filing two disputes, all to no avail. One representative in particular was flat out rude and said he could not help me, and although I get emails regarding the status of my disputes, the Equifax system does not allow me to access the information when I click on the provided link. I have shared this problem when I called, but received no positive assistance. In fact, I was told by both representatives " I'm sorry, but the system is down and I am unable to confirm when it will be accessible ''. This is not acceptable. 
Equifax needs to correct this problem right away. I also want to pursue a refund for Score Watch back to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: PMAB,LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i never received any type of documentation from this company ever even when i disputed it via postal mail. They claim my account was in collections for the amount of {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise Credit Services reported on my XXXX  credit report as a debt collection account on XX/XX/20. This is a fraudulent account and I was a victim of identity theft. There is an identity theft report with each bureau which the account should have NEVER been reported on my credit file.

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 2021-05-08
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:
These loans are not mine THEY DO NOT BELONG TO ME I HAVE NOT SIGNED OR APPROVED THESE LOANS I DO NOT KNOW WHY THEYWERE TAKEN OUT OR WHY UNDER MY NAME OR WHO USED MY INFORMATION THIS IS NOT MY ACCOUNTS. I HAVE BEEN GOING THRU WITH ALL THE BUREAUS AND NOTHING HAS BEEN DONE!!! I HAVE OPENED AN FTC AND NOTHING IS HAPPENING> Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Fraudulent unauthorized withdrawal from my XXXX SC Bank of America checking account. this withdrawal accord in a Bank of America Branch located in XXXX XXXX address is XXXX XXXX  XXXX SE XXXX. The withdrawal amount was {$500.00}. 

I live in XXXX SC XXXX my phone number is XXXX and my email address is 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 2017-09-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Company Name : Protect My ID for XXXX members managed by Experian On XXXX XXXX, XXXX I received a email stating that my account with Protect My ID would automatically renew on XXXX XXXX, XXXX and my credit card would be charged {$89.00}. XXXX There is no way to remove your credit card information on the web site XXXX. 
After reviewing the cancellation policy on their web page I tried to contact their XXXX customer service telephone line to cancel my account. I gave up after waiting for XXXX hour and XXXX minutes. 
On XXXX XXXX, XXXX I again called the customer phone line an again gave up after waiting XXXX hour and XXXX minutes. 
As stated in their terms and conditions I then sent an email to their customer support email address. The following day they responded, against they 're stated policy in their terms and conditions, that they could not handle my request via email and I would have to call the customer service phone number. I waited until XXXX XXXX, XXXX and tried to call again. This time I was on hold for XXXX hours and XXXX minutes before I gave up. 
I have followed their terms and conditions and now have sent a certified mail letter that has been notarized to the address provided. 
This company is a scam. There is no customer service provided. I have received nothing at all from them during my year of membership. If I wanted a credit report or my XXXX score, I had to pay extra, above my yearly membership, for them. No notice of credit card, loan, or bank account activity has been received through the year either. 
If they go ahead and charge my credit card I will dispute the charge through my bank. 
From they 're web page : Cancellation : You may cancel at any time during your membership. To cancel your membership please contact us and ( i ) provide your first name and last name, XXXX ii XXXX the email address associated with the account you would like to cancel ; and XXXX iii XXXX the customer number associated with the account you would like to cancel. You may contact us in the following ways : Phone : XXXX Mail : ProtectMyID, Attn : Customer Care, XXXX. Box XXXX, XXXX, CA XXXX Email : support @ protectmyid.com This address provided is different XXXX they 're customer service address with is : MAIL : ProtectMyID.com XXXX : Customer Care XXXX XXXX XXXX XXXX, TX 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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I opened a secured card with XXXX XXXX which I funded the card with the balance which was {$200.00}. I never used the card, which was why i was startled to see XXXX late payments and a balance of {$150.00}. 

Come to find out the company stated the balance and charges came from an annual fee which was due in XXXX for {$29.00}. I was never made aware of the annual fee 's at all. Regardless late payments are a result of a consumer obligation to pay on an extension of credit. In this case the extension of credit would pertain to the secured credit card. There was no balance, the card was never used. To report a late payment for an annual fee is a violation of the FCRA and inaccurate. 

My credit worthiness has nothing to do with a hidden annual fee, this account needs to be removed immediately. Account name XXXX XXXX XXXX XXXX Acccount number, XXXX. 

Also to reiterate even if there was an annual fee, I had a balance of {$200.00} with the company the they could have easily taken {$29.00} out of the account to satisfy the annual fee. They didn't do that they closed my account and put XXXX late payments for an annual fee. this is illegal. 

Also you as a furnisher have a duty to thoroughly investigate which I am giving you time to do now, in addition you have a obligation that once you are aware of inaccurate information being reported you are required to remove them. I have made you aware of the innacuracies and I will also attach the company letter admitting the balance and late payments derived from annual fee and not the credit card itself.

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 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Please see emails between vendor and myself. I canceled and requested a refund. Capital 1 removed charge then applied it bank to my credit card. I made every attempt to contact vendor by email and by phone to cancel and request them to refund my card asap. They never contacted me until I contacted Capital 1. Package was delivered, refused and returned to XXXX. Please see tracking information also regarding vendor received return. Capital 1 sent a letter to me that the charge is being applied back to my responsibility. They also requested further information if I did not agree with their decision. They said I could respond by fax which I tried numerous times. It is a non working fax number which continually rings busy. I called to speak with a supervisor to ask for assistance. She said there was no other fax number available to send documentation. They did send a link to upload my documents which also did not allow screen shots which they recommended I take and upload. After numerous calls an attempts with Capital 1, I had no recourse but to file a complaint, which is what I am doing. I also contacted customer service department at Capital 1 for their fax number, which the representative was kind enough to provide. Faxed over documentation to the ATTN : DISPUTE DEPARTMENT c/o CUSTOMER SERVICE. Please review. Thank you for your help to resolve this matter asap. 
XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: Avant Credit Corporation
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was applying online for loans and I got an email saying that I was approved and it said from 2000 to {$5000.00} it gave me alone code I talk to somebody on the phone and gave them all of my banking information and he said that he they had to deposit money into my account and then I had descended back to them so they could verify my checking account and when I asked them if it was a scam he said it was not a scam and hung up on me and now every time I call the number it just disconnects they do not answer This happened today XX/XX/XXXX and about XXXX XXXX and it's They have not taken any money yet I wanted to report it I'm not sure if they will his name is XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX   ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2022-03-13
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
This bank treated me horrible during covid they reported me late on XXXX are reporting me late 30 days when I called them To make payment arrangement and they agreed they would give forgiveness and not report me late they are ruining my credit score shame comenity bank sucks and XXXX is out of business they should remove this late mark off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Because of a data breach at Equifax, I was sent a letter last fall letting me know that my personal information was compromised and that I was being offered XXXX  XXXX to monitor my credit information. I went online to do the registration prior to the XX/XX/XXXX deadline. Now I am being told that I never registered in time and I am not eligible for services.

Company response to consumer: Closed with explanation