BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the third 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 i noticed 3 {$200.00} for a total of {$600.00} charges posted to my account from XXXX XXXX, ca. I live in XXXX, ca and i have charges posted.on that same day. I had previously requested a new card and these new charges were made with my new card without being activated. I didnt even have complete account number to complete. Wells Fargo told me in 10 days o would have my money back. On XX/XX/23 they told me that the case was closed and i was not getting my money back. I want to know how i can go about getting my money back from wells fargo.

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 monetary relief
Consumer complaint received 2023-12-18
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was late on a payment, under 30 days, tried to make the payment and my bank rejected the payment due to insufficient funds instead of charging the overdraft fee. I had no other way to pay, I talked to TD Bank and told them I would be able to pay the account in full on the XXXX of XXXX. They then called me 12 times within 7 calendar days, including 3 times the day before XXXX. The past due balance was {$29.00}. At this time I had noticed my credit limit which was originally {$2200.00} was {$380.00} as of XXXX, I was told by one of their customer service reps that I was considered " high risk '' although management denies this, and therefore my credit line was decreased. I told TD Bank that I would pay the amount in full on XX/XX/XXXX and would be closing my account and never doing business with them again. I received a credit score notification, due to the credit line decrease and they reported my late payment as delinquent, my credit score which was XXXX crashed down to the XXXX. I called the company after I had paid in full to try and resolve the credit issue and they told me there was nothing that they could do. They told me I would have to dispute it with the credit agencies, which I have now done. I asked if they would fight me on the matter as I was a good customer who always paid on time and always paid more than the minimum but have recently run into some financial difficulty, the manager told me that they could not say and that it was best for me to just try. I'm a XXXX veteran on a fixed income and have not been receiving my normal pay from schooling due to XXXX. I always pay my bills on time and 1 discrepancy should not destroy my credit. I feel like I have been wronged, between the harassing phone calls the day before a holiday to the retaliatory strike against my credit, this seems unfair and unusual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i have 2 phone and XXXX XXXX so i try to use apple pay with my 2 phone but when i tried to add my another apple credit card for another phone but they don't let me do and closed my account. At that time my credit card was used about XXXX $ i can't pay right away on XXXX XXXX because im on my vacation. 2 days later when i come back to home when i get cash to deposit to pay my debt but everything was gone. i can't see any transaction and my apple credit card anymore. i was try to call apple card service time to time they just tell me wait and just said they can't find my account even with my social number. while when i try to open another apple card it said i already have an exist account. So now that debt keep make my credit score going low. i wa n't to pay off the balance but they don't let me do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Lobel Financial ran my credit on XX/XX/2023 without my permission or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited my lottery check for XXXX from ca lottery in XXXX to my Citibank account on XXXX. I was told it would be ready the next day. It was not. I called the bank and they said my account is frozen. I contacted the fraud department and they said my check is invalid and they will not cash it. I asked for my check back or my cash and was denied my check or my funds.

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 2021-10-18
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Good afternoon sir or Madam, I have received noticed from XXXX that my credit file has been up-dated. 
today I checked and I had found XXXX delinquent accounts which i dont recognize as mine. 
I have had no agreement with them and have had no communications with them They are : CREDENCE RESOURCE MANAGE CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Even with multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus previously on XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX 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 2021-10-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was just checking my credit report because Im working on fixing my credit since Im planning on buying a new home. Then I see the Genesis debt and I tought it was hospital bills and I remember I saw this genesis debt always sending me emails but, I ignored them since I know now the scammers do anything. Then since I saw it on my credit report I called them to know whats going on and they told me it is from the XXXX XXXX and I dont even know where that is and the guy told me that I lived there and owe them 2 months and I was XXXX off because how can I lived somewhere I dont even know? And he told me I can dispute it if I believe its a false information then I said yes I would love to. And thank you in advance, I would like to dispute this false information. I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Upgrade, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized ach payment was pulled from an account not listed on my payment available list. Also was informed that any reoccurring transactions were stopped. I had already made a payment prior to due date to satisfy the payment for this billing cycle. This caused my external account to over draw and incur fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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:
Reporting wrong account number with XXXX. Creditor and credit bureau reported the statement included in bankruptcy on the account comments which is not allowed and Im requesting the inaccurate reporting account be removed. 24 months pay history should not be counted months after filing XXXX XXXX but the credit payment chart is inaccurately counting but just not in red. Requesting account removal due to severe inaccurate reporting to enable my ability to recover a better credit score.

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: EQUIFAX, INC.
State: OR
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:
Even with multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus previously on XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy.

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

15 USC 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 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 2023-12-18
Company: Experian Information Solutions Inc.
State: MD
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'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
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-18
Company: EdFinancial Services
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is the second complaint I have made about EdFinancial Services. I am an endorser on a couple 's loan for my stepson. I paid off the loans in full in XXXX and XX/XX/2023. Edfinancial hasn't reported the loans to the credit bureau. On their website, they said they report every month to the credit bureau. The last time they reported to the credit bureau was in XX/XX/2023. Every time I call, they say the amount is to large and it'll take XXXX days. It has been over XXXX  days. Am I supposed to take legal action against the XXXX XXXX or the Department of Education to have the situation solved? I need to buy a house, but because of that, I can't do it.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18
Company: ENCORE CAPITAL GROUP 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:
I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and XXXXXXXX XXXX  including the original contact between me and XXXXXXXX XXXX  within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, I initiated contact with TransUnion regarding inaccurate information present on my credit report. Despite the passage of time, I have yet to receive a response from them. The discrepancies I wish to address are outlined below, alongside the necessary corrections : Account Details : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never overdue. 
Request : Kindly rectify this erroneous data in my credit report. 
Account Details : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never overdue. 
Request : I respectfully ask for the correction of this inaccurate information 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 non-monetary relief
Consumer complaint received 2022-12-27
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: Was not notified of investigation status or results

Complaint:
I send an opt out letter to XXXX, Equifax, and XXXX. On XX/XX/2022. I haven't got a response from any of the companies above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Block, Inc.
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filled a dispute with cash app support for unauthorized transfer on my account XX/XX/2023 in the amount of {$2300.00}. I mean literally the next day as of XX/XX/2023 I get a denied letter from cash app support to my email XXXX saying no error occurred when I never ever had any transfers to or from this before any time before the dispute they did not fully investigate at all & did not give my funds back was told it would take 10 business days not the next day then denied me. You all can see in the photos they where completely ignoring what I was telling them & disregarding what I was saying they are not genuinely trying to help me retrieve my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
These companies unlawfully reported accounts ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.

Company response to consumer: Closed with explanation