BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Continental Finance Company, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX credit card issued by Continental Finance in or around late XXXX early XXXX. It did not have a high credit limit so when I started to become ill I paid it off completely with no intention of using it again. I lost my vision in XX/XX/XXXX after contracting Covid-19 and am now 100 % XXXX. My spouse informed me that XXXX aka Continental Finance has a collection /charge off for an unknown amount which is impossible, unless it has been fraudulently used. I lost my wallet while in the hospital in XXXX and I can't get any information from this bank as to why they claim I owe them money after the account was paid in full. I do not have my account number. I am attaching a copy of my bank statement showing the amount paid. I am hopeful that I can get this resolved with the help of the CFPB. Thank you

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 2022-10-25
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:
Enclosed is a copy of an identity theft report along with an affidavits requesting Equifax information services llc to remove 2 unauthorized inquires listed on my credit report. I never authorized anyone nor any establishment or business to pull my credit. These inquires are fraudulent and I'm requesting they be removed immediately. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no received no letter or anything about a debt being owed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX - Synchrony Bank / Paypal made a hard inquiry with my social security number via XXXX under my maiden name XXXX XXXX that I changed 12 years ago and an old address from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have moved. I want to pay off this loan so I can sell the vehicle. I need the title to come to my new address. 

I have been trying for XXXX days to get the address updated. Starting on XX/XX/XXXX. 

They requested documentation proving new address. I sent them a copy of my latest bank statement with current address. 

XX/XX/XXXX I asked when will this be done. XXXX is unavailble. 

XX/XX/XXXX I asked when will be done. Reply = Soon. I ask could I speak to a supervisor, Told none available. 

What in the actual # # # # is going on???? I can not move forward without a simple address change. 

XX/XX/XXXX went to XXXX of their branches, told their system will not allow them to pull up the account. WHAT???????? 

Bank is CIT Problem still unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in disagreement with Equifax, XXXX and XXXX credit reports on my payment history. Specifically two credit cards XXXX. XXXX XXXX - XXXX, XX/XX/XXXX On XXXX 's end there was an issue with autopay/payment due date changes. Payment was received as soon as I was notified of the issue. Was falsely assured Id have no issue with my credit report XXXX. XXXX XXXX, XX/XX/XXXX On my end autopay failed and I didnt recognize, HOWEVER, the account was paid in full ( actually a few dollars over ), days later. I was never over 30 days overdue. XXXX and XXXX where paid in full as well 3. XXXX XXXX, XX/XX/XXXX I was XXXX XXXX XXXX but I never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
CFPB!!!! I desperately need your help as this is about to go on for almost 3 years now. I have filed several complaints and no one seems to have answers and I am still waiting to get my fraud claim reviewed or get any answers from Bank of America. I am also very shocked that this bank has NOT pulled any calls since I initially opened my fraud claim back In XX/XX/XXXX. As I previously stated in prior complaints, my account was charged for 1 XXXX charge, which has been credited but there was also several charges to Element Colors for a total of 26, for the total amount of {$2500.00}. All of these charges are FRAUD that I did not make!!!! I have not received any response from Bank of America whatsoever. I did call them a few months ago and the agent by the name of XXXX - XXXX Id : XXXX stated that the claim is still open and is with the XXXX XXXX since XX/XX/XXXX. He said they opened a ton of claims that were closed with no investigation and this situation fell into that. Why was I not notified of this!!! A few days ago, I received an email saying its not too late to file a claim. Are they joking! I am not calling any longer. Every time I call its the same story and they cant figure out what is going on. I asked for managers and they always tell me they dont have an escalation queue or supervisor. CFPB, I am done talking to this horrible bank. I want you to do a through investigation and ask for calls that go back to XX/XX/XXXX to present. I also want to know why these 26 charges from XXXX were not included with the XXXX fraud claim. Pull the calls and you will clearly see I did file the fraud claim. Second, please have this bank send me a check for all 26 fraud charges from Element XXXX in the amount of {$2500.00} and compensation for all of the hardship I have encountered. 

Also the agent did provide Claim number XXXX. 

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 2022-08-03
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-04-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received letter from Macy 's stating a credit card application was submitted under my name, and Macy 's was unable to approve the application due to address provided on the application does not match address on credit bureau report. Since I did not apply for Macy 's credit card, this letter indicate someone was trying to open a credit card using my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ...., and XXXX account XXXX XXXX ... .has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 do not recognize this account. Never had an account with this lender and I have never done any business with this collection agency that is trying to collect a debt I do not owe. Attached is my FTC report and letter. 

XXXX XXXX Account Number : XXXX Amount of alleged debt {$1000.00}.

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 non-monetary relief
Consumer complaint received 2023-02-22
Company: Resurgent Capital Services L.P.
State: TX
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:
Accounts that's be reported are not mines and I asked verification of the accounts and I haven't received any showing my signature or the original contract also different spelling of my name also another social security number that's not mines shows on my report Some items that was deleted still show on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I received my Tax Refund on XXXX/XXXX/2022 it was deposited into my Cash App account at XXXX, I re paid Cash App {$14.00} and {$21.00} those are the only transaction I authorized on my cash App account, around XXXXXXXX XXXX Cash app allowed someone to withdraw {$4000.00} from my Cash App account, I began to call them to find out what happened, I open a dispute claim, not long after I open the dispute they said I sent the money, I have never heard of the person, my account was also locked when the money was removed. I have filed a dispute at least 4 times with Cash App because they keep saying it was me. I have attached documents that will show different times that I sent the money. Please help me get my money back. I am a single mother of one child with no help. Cash App know they missed up but don't want to admit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX engages in predatory lending and illegally reports incorrect information to credit bureaus. I got a {$1200.00} loan in XX/XX/XXXX to buy furniture. I tried to pay it in full in XXXX of XXXX. In less than 5 months the interest they tried to charge me was {$1400.00} on top of the {$1200.00} principle. I refused to pay that amount and offered to settle for the principle plus 20 % interest and they agreed. I was also assured that nothing would be on my credit report. They reported negative payment information to Experian anyway. When I disputed it, they updated my payment history with a full year of payment history that never happened! They're claiming to have received payments from me every month after XX/XX/XXXX until XXXX of XXXX when they claim I missed a payment. I called to ask them to remove it and thay told me no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: LA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Our loan was transferred to Selene Finance in XXXX of XXXX. In XXXX of XXXX I received a credit alert from XXXX that there was a negative report from Selene Finance. The credit alert shows that Selene Finance reported the account with XXXX in XX/XX/XXXX as CO and modified. We never did a loan modification with Selene Finance at any time. The only loan modification occurred with the previous servicer in XXXX of XXXX. Selene Finance has no right to file a negative credit reporting for a modification that occurred almost 4 years ago with another servicer. I contacted Selene about their error and was told that they are properly reporting the loan, and there was nothing they needed to do. Not only was the loan not charged offed, Selene Finance is reporting the loan modification, which occurred almost 4 years ago with another servicer, as though it just occurred with them, which means it will remain on my credit report for seven years. Selene has wrongfully and purposefully reported something that negatively impacted my credit, and is refusing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I CAN NOT BELIEVE WHAT I AM SEEING ON THIS BANK STATEMENT. IF IT`S NOT ONE THING IT`S ANOTHER. FIRST OF ALL, YOU SAID THAT YOU WERE OVERPAYING MY ACCOUNT FOR FOR MY PROPERTY TAXES, OUTSIDE OF MY MORTGAGE MONTHLY PAYMENTS BEING AT {$1600.00}. MY FIXED RATE OF XXXX XXXX XXXX  AT {$1300.00} & PROPERTY TAXES AT {$250.00} = XXXX YEARLY THAT`S $ XXXX {$1600.00} XXXX {$120.00} OF A OVERPAYMENT. NOW YOU STATING THAT I HAVE A ESCROW NEGATIVE BALANCE OF $ XXXX YOU CAN NOT ADD TAXES OF LATE MORTGAGE PAYMENTS TO A ESCROW. THE ESCROW IS FOR PROPERTY TAXES WITH NO PMI. AND THAT {$120.00} SHOULD HAVE BEEN GOING INTO A SUSPENSE ACCOUNT FOR YEARS NOT THE ESCROW. YOU STATED IN ONE OF MY COMPLAINT`S THAT YOU REANALYZED MY PAYMENTS DOWN TO {$1600.00} WHICH WAS INCORRECT, MY FIXED PAYMENTS HAVE ALWAYS BEEN {$1600.00} LIKE YOU WERE DOING ME A FAVOR BUT WERE NOT. MY PAYMENTS CHANGED IN XXXX TO {$1700.00}. WITH THE OVERCHARGE OF THE YEARS SINCE XXXX. {$120.00} X XXXX = {$1400.00} = {$14000.00}. HOW CAN I HAVE A NEGATIVE ESCROW FOR SOMETHING THAT WAS NOT GOING INTO ESCROW, NOT PMI OR PROPERTY INSURANCE? YOU DELAYED THE PROCESSING OF MY PAYMENTS NOW IT`S LIKE MY FAULT FOR MISSING THE PAYMENTS. A CLIENT CAN`T JUST CALL YOU AS A BANK TO FIX ISSUES WITHOUT FEELING ALIENATED.

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 2022-12-27
Company: Affirm Holdings, Inc
State: NV
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:
On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at XXXX XXXX. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from affirm one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CITIBANK, N.A.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
No y problem is with Citibank. They have STOLEN my money for almost XXXX months now and unjustly refused to allow me access to it. 
They claim that they can not verify my identity via my phone number. Which I know personally is a lie because a couple of representatives have told me already that my identity HAS been verified via my phone number. However there is a certain department that has to remove the block on my account and they refuse too. I am beyond appalled. 
They claimed to have mailed out a letter with a pin number that I could use to verify however, I never received such a letter. And lastly they will not allow me to cost my account and send me a check for my remaining balance. 
I WANT MY MONEY!!!

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 2023-01-12
Company: Experian Information Solutions Inc.
State: GA
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 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 explanation