BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
Yes someone sends they self money when my phone was stolen cash app never gave me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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 explanation
Consumer complaint received 2022-12-19
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Cooling & Winter for committing identity theft. On XX/XX/2022 I checked my credit report and seen that a Charged-off was flagged on my credit report. I have never given COOLING & WINTER ANY permission to use any of my identifying information to commit fraud nor have I have done any business with them. I have never received any correspondence from COOLING & WINTER about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COOLING & WINTER can provide me with sufficient documentary evidence, such as a trilateral contract that bears my signature, that I have any legal obligation to pay them. If this documentary evidence can not be produced and COOLING & WINTER continues its collection efforts, I will file for litigation for actual damages caused and COOLING & WINTER will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear, I do not recognize these inquires in my credit report profile. I am identity theft victim so please remove all these wrong items from my profile. I do not have contracts with these companies and did not agree to anything. 
I am sure that mistakes happen on peoples credit reports, and I am quite certain this is a big mistake. I kindly ask you to check and delete forever these incorrect items from my credit report. This wrong information badly effecting my life planning.

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 2021-01-13
Company: EQUIFAX, 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 have already notified the credit bureaus of my issue with identity theft. I have never had a XXXX account in my life and I don't know why it is reporting on my account. This is a fraudulent account and should be deleted from my credit reports immediately. I was under the impression that credit bureaus could only report 100 % verifiable and accurate information. 

I am 100 % sure that this is an inaccurate account because I have never been to a XXXX store or their website. 

My information was also compromised in the Equifax data breach. I don't know has their hands on my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
WELLS FARGO DEALER SVC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on 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 explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: AZ
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 these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am in the process of trying to pay my promotional balances for XXXX XXXX XXXXr and I am being told that I have to pay my minimum payment before they can allow my payments to be applied towards the promotional plans, which is due before my minimum payment. On XXXX, I spoke with an agent by the name of XXXX who assured me that my payment for the month of XXXX would be applied to my promotional balance, but when I called today, I was told that I have to pay my minimum payment before they can apply anything to my promotional balance. Given the discrepancy in information provided, I am forced to believe that they are trying to make sure that I accrue interest, which I am no position to pay. This fraudulent practice must be called into question as consumers should not have pay their minimum balance before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was transferred from Great Lakes to Nelnet for my federal student loans on XX/XX/XXXX. My loans have been in Covid Forbearance since the beginning of Covid and I have made payments towards them ( XXXX this year alone ). I have XXXX accrued interest as I have been making payments and the interest rate has been XXXX Today, XX/XX/XXXX, I get a notice that my account is ready at Nelnet. When I log in I noticed that my account has accrued interest in the amount that is equal to 14 day across both loans ( note that is 14 days between XX/XX/XXXX and XX/XX/XXXX ) I call them to remedy the mistake, they tell me it is because I have accrued interest since before Covid. I tell them that is impossible as I have payment receipts as well as emails from Great Lakes about this transfer that state I have a {$0.00} interest balance AND the math is exactly 14 days, they do not believe me I fear that they are going to continue to charge me interest every day, incorrectly and illegally, and I can not stop them The documents I have uploaded : Greak Lakes XX/XX/XXXX XXXX  - Receipt of payment in XX/XX/XXXX that shows XXXX accrued interest Great Lakes Nelnet XXXX  - Notice from Great Lakes that my loans will transfer on XX/XX/XXXX and that I have {$0.00} in accrued interest Nelnet Loan Info XXXX - My accounts at Nelnet as of XX/XX/XXXX that show that I have accrued 14 days of interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-05-05
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. Credit Collection Services are not listed on the Louisiana Secretary of State offical website business entity filings to collect a debt in the state of Louisiana.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have spent over an hour trying to access my account to thaw my credit freeze. The website does not work. I have tried signing in with different emails, different passwords 6 or so times. I have tried Account recovery over 8 times and I get an error every time. I tried making a new account incase I didn't have one before and inadvertently signed up for a second Equifax product. Looking online incase there was an issue with my computer showed that this is typical Equifax behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'M IN THE PROCESS OF BUYING A NEW HOME AND ONE OF MY ACCOUNTS REPORTING IS SHOWING A LATE PAYMENTS IN XX/XX/2020 AND XX/XX/2020. THIS IS NOT CORRECT. THE ACCOUNT HAS BEEN PAID ON TIME AND THE RECENT ERRORS ARE AFFECTING MY CHANCES OF PURCHASING MY HOME.

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 2023-05-05
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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 ask the credit bureaus to do a verification of everything thats on my report, they did and they said that everything is accurate. I did a thorough research myself even after they did the thorough research and I found improper, inaccuracies on the credit report even after they did the thorough research. 


XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have to privacy 15 U.S.C 1681 section 604 A section 2 : It will also States a consumer reporting agency can not furnish an account without my written instruction.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 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 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 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 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
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 u.s.c 1681 602 A states I have the right to privacy. 

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy ref # 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 2021-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take 6-9 months and still might not get escrow refund back. 

same complaint going on still into XXXX with no escrow refund payment. 
i have contines to persure the payment as the bank said it was fraud and should have already been rerfunded. ihave called and get the same answer " that we will esculte the matter '' with nothing happening call log XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( police and postal inspection service filed ), XX/XX/XXXX, XXXX, XXXX, ( XXXX ) XXXX, XX/XX/XXXX, XX/XX/XXXX everytime told they will esculate the matter to NO avail. check was CLEARLY not deposited by me ( check included ) my last option will be tp file small claims case against SPS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation