BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2023-11-15
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have had a Square account for over XXXX years, which I have used for my business operations without any issues. On XX/XX/2023, without any prior warning or explanation, Square deactivated my account. This action has left {$800.00} inaccessible in my account. 
I have reached out to Square multiple times to understand the reason behind the deactivation and to resolve the issue, but I have not received any clear response or assistance. I have also requested to speak with supervisors, and while I was able to speak with one on one occasion, they did not provide any helpful information regarding the account deactivation. The others simply refuse to take my call, and the representatives proceed to disconnect the calls.

I find this situation completely unacceptable, as I have not violated any policies or engaged in any suspicious activities with my Square account. I have several accounts with Square, and this experience has left me extremely frustrated and disgusted with their lack of communication and assistance.

I believe that my funds should not be held hostage without a valid reason, and I request an urgent resolution to this matter. It is essential for me, as a business owner, to have access to my funds and to receive a clear explanation for the actions taken by Square.

Please investigate this issue promptly and ensure that I can regain access to my funds and continue using Square 's services without further disruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be REMOVED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-10-23
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent my XX/XX/XXXX payment via bill payment through my bank. See attached. About a week or XXXX later and till this I am getting emails and calls that my payment is past due. 

I check with my bank the payment was sent and processed. 

I have sent messages through secure mail on the website. I'm told I need to call or chat. I did chat with a customer service rep from Ally and they said they are looking for the payment and will get back. XXXX has beer gotten back to me. Except to continue to get calls and emails that payment is late. But it's not late again it was sent through my bank and processed. Ally has the payment. But I'm getting late fees and harassing emails and calls.

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 2023-05-06
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-14
Company: Alorica Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
i took out a personal loan from XXXX XXXX, a loan company for military, in the amount of XXXX. The loan was then sold to or was said to be serviced by SST/Pioneer. First the loan term was supposed to 30 months but they changed it to XXXX and told me i misunderstood. in any case my payments where XXXX set up on auto draft for the XXXX of the month every month. it came out every month and the few times it didn't they blew my phone up until i corrected the issue. usually he next day. At the end of the loan of which the repayment amount was {$11000.00} dollars that i paid. they decided to dream up all of a sudden a missed month that turned into late fees and stuff equalling $ XXXX. i argued and argued this to them and asked they produce proof and they did not. 

Then after paying XXXX dollars for XXXX they decided to report it as charged off BAD DEBT. Again i argued and demanded proof with no help. I then disputed through the credit Bureaus that apparently don't actually look at the disputes as it must be automated, because the very paper work SST sent them proves my case. As well as shows how un organized they are as there is " missing '' data all over it. Turns out i was even double charged something like 10 months of the repayments. 

They say they have agreed to delete it from my profile but that isn't what i want as i am trying to build my credit and if i wanted it to be bad debt i wouldn't have given them {$11000.00}. 

regardless it is just another scsm as it is no deleted plus they put another collections account on the same false debt using a different company name. its called XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 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 2022-10-14
Company: LEXISNEXIS
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:
XXXX is reporting a bankruptcy on my credit report, stating that LexisNexis Consumer Center was verified by your company with the United States Bankruptcy Court, But the United States Bankruptcy states in this Letter Notice Regarding Credit Reporting, and this is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
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:
There is a XXXX credit account reporting on my credit report. Ive submitted multiple disputes for this account with XXXX, XXXX, and Experian due to the inaccuracy of the account. 

XX/XX/XXXX I received notice of an account that was disputed via online and it came back again verified and updated. 

XXXX XXXX I mailed a certified letters to all three bureaus in regards to this account. 

XX/XX/XXXX I received notice of an account that disputed via online and it came back verified. 

XX/XX/XXXX I received another update to that account that it is now open The first issue I have is that the issue company is reporting a balance when in reality the company has wrote the debt off and has been able to get money in collateral for the tax wrote off. 

The second issue that I have is I never received any documents about this account. No information on closing of account, no tax documents were sent to me as far as the write off goes becuse it was reporting as my debt. 

The icing on top of the cake is when I received an alert today XXXX XXXX via XXXX saying I had a new delenquent account that was open. And the account was for XXXX for 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 2023-05-06
Company: EQUIFAX, INC.
State: NJ
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 disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts list as follow : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank In accordance with the Fair Credit Reporting act These Accounts have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are 2 outstanding bills from XX/XX/XXXX for XXXX XXXX XXXX which just got reported on my credit in XXXX XXXX.. I asked them to send me a copy of each bill so they did. I have never seen this bill until now ( 6 years later ), it is too late to file a claim on my insurance. I asked them why they did not handle this 6 years ago but of course no one knew the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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.

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 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The XXXX 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 has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}

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 2021-03-22
Company: EQUIFAX, INC.
State: ID
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX/XXXX  Equifax indicates that it is up to me to provide information to them regarding hard inquires for 2 XXXX hard inquires on my credit report. Also, on XX/XX/2021 after specking with Equifax over night my credit score dropped XXXX points? Also, three derogatory remarks have also been placed on my report. I was told by " consumer Affairs '', to file a police report. A score can't drop XXXX point 's in just one day? I find this suspicious that this happens after I contacted Equifax to file this dispute. Also, XXXX a supervisor did tell me I have to report my new address to each agency, if I ever move? That is not true, I was informed by the " CFPB ''. I was at XXXX on XX/XX/2021, but overnight it went down XXXX point 's, how can that happen? All the other agency I have a outstanding credit score 's. it has been over thirty days, I need this to be corrected, this has been disputed before. I did not want to go to the police or file a complaint with the " CFPB '' or " Consumer Affairs ''. I have also been advised that I might have t file a complaint with my State Attorney General. 

A gentleman in the XXXX and a gentleman named XXXX refused to dispute the hard inquires. They told me I had to get an attorney with my notarized signature to have them removed. 

I told them that I HAVE NOT applied for service with XXXX and that I want the hard inquires removed. They both refused to file a dispute with their employer regarding these inquires. XXXX has NO records of me applying for service. I have been on the phone for over 40 minutes trying to get someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : 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 2023-02-21
Company: Bread Financial 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:
I have an outstanding balance with comenity bank but have no account with them. They have said i have been delinquent and the amount keeps increasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I am a veteran and have a VA Loan. Due to hardships relating to XXXX I lost my job and used up all my savings until I found another job. As a result my mortgage fell behind. I contacted my servicer Shellpoint to start the process of a loan modification a year ago. I have supplied all required documentation ask of me every single month leading up to my most recent submission XX/XX/XXXX. Every single month they continue to ask for information and my file has never reached an underwriter for a decision as to any home retain programs that are available to. XX/XX/XXXX, they requested additional information that has already been provided ; I have provided Profit and Loss Statements up through XX/XX/XXXX for my 1099 business and now they are asking me to create a profit and loss statement for all my clients that I serve although most of my income goes through my primary account. I don't understand why I need to create a Profit and Loss for each client I have as it's under one business. My income is already reported on my tax returns for the business and not per client. They have received all bank statements through XX/XX/XXXX, paystubs through XX/XX/XXXX, and my file has yet to reach an underwriter for consideration. This " Request for Documents '' has been going on month and after month and now I have a foreclosure sale date on my home for XX/XX/XXXX. I have uploaded and e-mailed all documents required of me. As one document they ask for is provided, another document expires and this has been the vicious for over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023, I sent Truist Financial Corp a payment for the minimum amount due on my balance through mail, in the form of a dividend check ; which they received XX/XX/XXXX. XX/XX/XXXX, they sent me a letter stating that I owe the entire balance of the account. On XX/XX/XXXX, I sent a debt validation letter requesting their W-9, and also DEMANDED that they return my instrument, the dividend check, or else proper authorities will partake in the matter. Their response was simply sending me a copy of every statement I supposedly have since I first started with them ; they DID NOT return my instrument as I requested in my letter. That's where I am at with this predicament.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft 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 2020-05-18
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about aChecking, Saving account and Safety Deposit Boxes for my Great Grandparents where their XXXX XXXX XXXX XXXX XXXX  were deposited. The name of the Bank was XXXX XXXX XXXX XXXX in XXXX Texas that was bought out by Prosperity Bank in XXXX. The last time anyone seen any thing on there account was XXXX and XXXX when it was first bought out by Prosperity Bank. Now Prosperity Bank states that they never had an account at neither Bank as stated by Ms.XXXX XXXX customer service for Prosperity Bank. I sent Sworn Afidavit of Heirs, Death Certificates, and a sworn Inventory of all assets owned by my Grandparents. It list XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX  XXXX bought out by XXXX XXXX XXXX. Their accounts should be still active and untouched for over ( 62 ) Sixty Two years and was never closed. XXXX XXXX XXXX XXXX tried to get in touch with my family by the news papers that I found in XXXX. This is how the family found out that my Great Uncle XXXX XXXX who was my Grandfather 's Executor didn't close none of his accounts in two different Banks. That's when we got involved this year on the matter at hand. Prosperity Bank says, they can't find no accounts. This can't be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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