BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
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 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$80.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2019 Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a co-buyer for an account with XXXX XXXX ... XXXX continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...

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 2017-07-03
Company: Smith, Rouchon & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have an old medical bill that was sent to collection that I normally pay on my next  Doctor  visit. I have n't been in so it was sent to collections in which I did n't know of. Did n't receive no letter stating debt and when I did receive a phone call the representative was very rude and threatening. Had a harsh tone and told me that if I did n't pay in a week I would be sued. The representative would n't even work out a payment plan for the debt of {$150.00}. So know it 's on my credit report damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Early Warning Services, LLC
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im having an issue getting my Early Warning Sevices Consumer Credit Report. I want Early Warning Services to mail me a complete copy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXXXXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXXXXXX XXXX  XXXX Balance {$80.00} XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/2019 Balance {$0.00} ;

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 2022-07-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  XXXX Balance {$80.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2019 Balance {$0.00} ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Chime Financial Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
On Friday XX/XX/XXXX I deposited my pension check for {$340.00} into my Chime account. I deposit it every month. Chime advertises same day deposits. I was expecting it in at least 24 hours. 2 days later still no deposit. In the past the company would release half of the deposit and hold the remaining portion, which is still odd. I reached out to customer service several times and they keep saying my check cleared but is on hold so it doesnt bounce!!!!! This makes absolutely no sense. The said they would escalate and have someone contact me in 4 hours!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
VENMO STOLE {$1500.00} FROM ME! since XX/XX/2023 my funds are stuck in Venmo! they do not allow me to add a new bank account to withdraw my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Block, Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My issue is with Cash app who had me confirm all my identity just to tell me they cant allow me to access my account for security reasons. I said fine can my money that I have in my account be mailed to my address and they told me no. A check to my address can be a better identification then any. I need my money for my bills and they keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So I revived an email from my school email saying I got the job. I did apply for an assistant helper. I was excited since I been unemployed for over a year and been looking for a job so I didnt thought anything of it. He sent me a check for XXXX I deposit and did the XXXX to the person he told me to sent to.Later 2 or 3 days I see the check was return back so I said like why you return the check thats when I figure I got scam so I went right away to my PNC bank. I told them everything I went XX/XX/XXXX. They did the whole dispute was just waiting to hear back I get a call XX/XX/XXXX that they dispute the XXXX but the account is going to stay - {$740.00} and if I dont pay by the end of XXXX they will close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written  instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and XXXX  report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such  documentation. XXXX  and XXXX are liable for the monterey fines as well for reporting unverified information. 

https : 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 2023-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX An {$8000.00} credit card charge was flagged by me as I believed it to be fraudulent as the vendor name was not recognizable and there was no phone number listed beside the charge. 
The vendor subsequently contacted me and we agreed it was a legitimate charge. 
I called Wells Fargo to let them know but they could not process the payment to the vendor in a timely fashion so I instructed them to cancel the transaction as the vendor needed to be paid promptly. 
I paid the vendor with other funds XXXX XXXX XXXX XXXX XXXX by wire. 
Weeks later on XX/XX/XXXX the same {$8000.00} charge appeared on my statement. I called and apparently Wells Fargo had 'investigated ' the transaction and paid it again in error. 
I have explained this to many Wells Fargo employees, filed multiple claims and eventually on XXXX an Escalations Representative, XXXX XXXX understood the situation and told me this would be resolved properly. 
That did not happen so I had to open another claim which was denied on XXXX 
The Wells Fargo claim number is XXXX. 
The vendor who Wells paid a second time, is not contactable now.

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 2020-06-17
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: Account status incorrect

Complaint:
My credit hs dropped 80 points due to status " Affected By A Natural Disaster '' ; this is incorrect. The CARES Act should not drop my credit score. On XX/XX/2020 I contacted my lender XXXX XXXX XXXX ) at XXXX XXXX and spoke with XXXX who checked my status. She said there was no record of a status of " Affected By A Natural Disaster '' and suggested I contact and start a dispute with the credit agencies. By noon on XX/XX/2020 I started a dispute with XXXX which showed under " Status '' the incorrect information on my school loans " Affected By Natural Disaster. '' On XX/XX/2020 XXXX stated that my dispute was closed, the information had been updated per their inquiry to my lender and the status remained " Affected By Natural Disaster. '' I then uploaded a copy of an email from my lender stating that the company has been incorrectly identified as changing loan holders tatus, but they have not been the entity relaying this information to the credit agencies and the information they have states that all loans they hold have not been given a status change. By XX/XX/2020 XXXX said the reopening of my dispute was complete and again the status was not changed. On XX/XX/2020 I again contacted my lender and confirmed that there was no special status on their records. I then called XXXX  XX/XX/2020 and spoke with XXXX XXXX to clarify where XXXX was getting information from and to dispute the status. XXXX stated that XXXX   received their information from my lender and the only way to change the status was for her to send a direct email to the lender questioning the status. I asked her to proceed with this action. I feel as though I am being given the run around between the two entities. I also found Transunion is reporting the information on my report incorrectly. However, Transunion makes it incredibly difficult to get your free credit report, and when I went to start a dispute the page comes up with error readings with no further way to contact or send the appropriate information. I can't buy a house or refinance my student loans until this situation is resolved.

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 2023-12-04
Company: Experian Information Solutions 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:
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.

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 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 2022-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the XXXX of XXXX I submitted a dispute about a transaction from a week prior and how XXXX provides a 100 % money back guarantee but because I submitted a dispute with my bank the option was up to them. Bank of America told me they are waiting for the merchants bank to refund the item and regulation E mandates any and all banks to provide a provisional credit. I have received nothing and this is day 12. I've lost a job due to lack of funds and I am about to start paying for lawyer fees to sue the bank. This is the 2nd time they have been in violation of regulation E, and now my dispute says claim not paid which confuses me even more. I want to sue this bank and get my money back from them ASAP...

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 2020-06-17
Company: ERC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid this account in full 5 years ago I have sent many disputes and many requests for a Goodwill correction but ENHANCED RECOVERY COMPANY LLC continuously refuses to correct the tradeline on my credit report it does reflect a XXXX balance but it is listed as a derogatory account it needs to be corrected to current closed as it has not been derogatory for three years right now and trying to close on a mortgage and it is seriously inhibiting my ability to finalize the loan. My closing date is XX/XX/XXXX and my underwriter with the USDA said this needs to be corrected as it is. Derogatory it should be listed as current closed. 
It is against the Fair Credit Reporting Act to keep harming somebody's ability to acquire new credit by listing is satisfied account as derogatory. 
This item needs to be deleted or corrected. 
I have the tempted many phone calls letters and disputes enhanced recovery collections is blatantly being vindictive despite the fact that this account was paid in full and has not been in collections for 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, 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:
I noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an Id Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} 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 non-monetary relief