BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Continental Finance Company, LLC
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When I signed up for this card, it was to be double your credit limit which was {$1000.00} and should have been raised to {$2000.00}. I was told this would happen in spite of the confusion when the account was first opened. I made XXXX calls in the last couple of months and was told the increase would take place today, XX/XX/XXXX. I made another call to another young lade today who advised that I had to request the increase by visiting this site : XXXX. I was granted a {$300.00} increase. What happened to the original offer? I fee Continental FinanceXXXX should honor the original offer.

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 2017-03-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 've repeatedly told XXXX my personal data was shared online and people were applying for credit under my name. They continue to release my credit report. Additionally, the fraud alert does n't even have my current phone number, which is XXXX. Equifax needs to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Progressive management continues to try to collect for medical debt that insurance has agreed to pay on. They also continue to update every week a new amount to the credit bureau with different amounts. I have contacted them, XXXX XXXX XXXX XXXX and my insurance which has all been agreed upon to be paid and removed but still insist on reporting numerous times a week to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification from XXXX, XXXX and XXXX that I had incurred a debt from Source Receivables management for a debt recently owned by XXXX XXXX. The debt amount is for {$290.00} and opened on XX/XX/2022. I have submitted paperwork on several occasions explaining to this collection agency that the debt is not mines and I have no knowledge of the account. They company has supposedly verified that the debt is accurate and has produced no proof of the debt belonging to me. According to the FCRA if you dont produce accurate proof of the debt being mines, it must be removed. They have not given proof of signature or any documents harboring my signature to support their claim of verifying its accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Delete all accounts reporting negatively on my credit profile. 
Delete and remove XXXX XXXX missing historical details see evidence below failed to mark account as disputed failed leave comments stating there is no balance owed and that this item was paid in full and is reported as a collections Delete and remove XXXX XXXX missing historical details last payment amount is wrong see evidence below mark as disputed Delete and remove XXXX - XXXX missing historical details see evidence below mark as disputed Delete and remove XXXX XXXXXXXX missing historical details see evidence below balance owed is incorrect delete experian neglected to provide a complete and accurate payment history delete account Remove all active fraud alerts on this credit profile Remove all restrictions on this credit profile 1. Collections XX/XX/XXXX violation I demand {$1000.00} for this FCRA violation - 15 usc 1692 G ( B ) ( failure to retain accurate and updated records. 
2. Collections XX/XX/XXXX violation - I demand {$1000.00} for this FCRA violation XXXX15 usc 1681e ( b ) inaccurate information 3. Delete and remove XXXX XXXX missing historical details see evidence below 4. Delete and remove XXXX XXXX missing historical details see evidence below 5. Delete and remove XXXX - XXXX missing historical details see evidence below 6. Delete and remove XXXX XXXXXXXX missing historical details see evidence below I do not give Experian permission ( authorization ) to report any negative item on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX personal information update- Remove XXXX XXXX XXXX XXXX new York XXXX delete address from credit profile Delete item Fair Credit Reporting Act, 15 U.S.C.A 1681-1681x ( west 1998 & sup.2007 ) ( fcra ) FCRA 15 U.S.C.A 1681s-2 ( a ) ( 1 ) FCRA 15 U.S.C.A 1681e ( b ) FCRA 15 U.S.C.A 1681s-2 ( b ) ( 1 ) FCRA 15 U.S.C.A 1681s-2 ( b ) ( b ) ( 3 ) ( b ) ( i ) ( iv ) FCRA 15 U.S.C.A 1681i ( a ) ( 1 ) ( a ) 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 explanation
Consumer complaint received 2023-05-27
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX:1 purchased an airline ticket from XXXX and used my cash app account to make the purchase. I received an email stating that there has been an technical issue and I would receive a full refund in the amount of {$64.00}. I have not received an refund and proceed to contact cash app and dispute the transaction. I submitted evidence which showed the refund has successfully processed from the merchants end and they did approve it. Cash app denied my claim stating no error has been found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have un-authorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my 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 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  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I held a mortgage with Fifth Third Bank and refinanced with another lender around XX/XX/2022. 

I had mistakenly made XXXX 's mortgage payment ( {$940.00} ) to Fifth Third as my account was on auto-pay. I was told my escrow funds with the bank were applied to my final payoff, and my XXXX mortgage payment of {$940.00} would be returned to me in the form of a check in the mail as it should have never been remitted due to the timing of the refinance closing. 

At this time, I never received the check, and I am told the check was mailed out on XX/XX/2022, and cashed on XX/XX/2022. I have been following up with Fifth Third Bank for months trying to get information on the cashed check. 

I have not received any check imaging from Fifth Third Bank after numerous requests and now that it's been almost three months. I suspect the check may have been cashed fraudently and I am trying to verify this and figure out how to recoup the funds. 

Fifth Third Reference Number - XXXX Unfortunately, after almost three months and multiple attempts of trying to retrieve check images, and trying to resolve this with Fifth Third Bank, I do not feel they are responding appropriately and now need to escalate this matter to CFPB. 

Please let me know if there is any additional information I can provide or be of any further assistance at this time. 

Thanks, XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent several information about the account being inaccrutte THE COMPANY IS IN VALUATION OF SEVERAL LAWS Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-09-02
Company: EQUIFAX, INC.
State: SC
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As of XX/XX/2022, I noticed my savings account which contains {$36000.00} was blocked. When I contacted citi bank, they would not release any information as to why. I spent hours with different departments. They only stated its set for closure and it will take 1 to 2 business days to review and 14 days to receive a check for my funds. After a week my online access has been blocked as well which also holds my credit cards linked to citi. Unfortunately, now I can not access my bank statements either. I called several times again to see about getting my online banking unblocked and ask about the review for my savings. This time they said they can not give Any information other than now it will take 60 days to receive my funds and that they can not unlock online banking This is very frustrating as I need access to my funds immediately. From what I have been dealing with from citi seems like they are trying to keep my funds. I need assistance in retrieving my funds back. I have also read of similar situations which makes this a big concern for 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 2021-10-19
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
WELLS FARGO HOME MORTGAGE XXXX XXXX 2021, Open/Never Late. Comment section : COMPLETED INVESTIGATION OF FCRA DISPUTE - CONSUMER DISAGREES. This caused my credit report to drop 5 points. I did not initiate a FCRA dispute. False information.

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 2023-09-14
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have had 4 credit card inquires that I didn't make. National credit cards/Airlines. they are XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2023-04-12
Company: Experian Information Solutions Inc.
State: PA
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am expecting that this will be repaired ASAP. Thank you. 
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 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