BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/XXXX 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 an account without my handwritten instructions.

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 2019-12-17
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX XXXX email : XXXX address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX On XXXX the XXXX I transferred {$90.00} from my XXXX account to the cash card from cash app since I didn't have my XXXX card yet. 
Every time I logged in I couldn't see the money it said XXXX balance, this went on for weeks every time I call them they tell me the same thing saying they'll get back to me but never does. In my XXXX account it shows the transaction went through already but still can't see the money in my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: MoneyLion Inc.
State: AZ
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:
Just recently I went to purchase a car and when they did my credit check they brought it to my attention that I have a small online loan that was issued to me from a money lion bank. I have never heard of this Bank nor have I ever banked with them. I have had my driver 's license and social security card and birth certificate stolen twice in the last 3 years I wasn't aware that there was anything on my credit report and now that I am I'm trying to cover all my bases before the situation gets any worse. Not only is there a strange charge from this money line Bank online credit report but there's also a charge from some medical firm or something for {$1000.00} when I've had medical insurance the entire last 7 years so I'm trying to resolve that issue as well right now with my insurance company and I would like to have that taken off and credited on my account as well because you know I will get that paid and straightened out and it shouldn't be penalizing my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 2 ) bureaus to remove the lates however, I have not been successful.

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 2023-09-06
Company: EQUIFAX, INC.
State: MI
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: TX
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid 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:
I was issued a new credit card by Bank of America. According to e-mail correspondence from BofA, this card was mailed on XX/XX/2023. To my knowledge, I never received this card. 

On XX/XX/XXXX and XXXX, XXXX transactions were charged to my card ( for {$870.00} and XXXX, respectively ) that I did not make. These transactions were flagged by Bank of America as suspicious ; I received alerts from BofA via their mobile app, and promptly called their fraud hotline to report the transactions. 

BofA issued a temporary credit to my account for the fraudulent purchases and promised to investigate the claim. I put the matter aside, confident that the things would be resolved in my favor : I did not make these purchases, I have been a BofA customer for over 25 years, and have not made a single fraud claim during that time. 

On XX/XX/XXXX, I received a decision from BofA, stating that they would not credit my account for the fraudulent purchases. After piecing together the sequence of events, it is my belief that the card in question was intercepted en route to me and was used fraudulently. 

I am disappointed that what appeared to be a relatively straightforward case of credit card fraud was not resolved in my favor and that I now have to appeal the decision, which is stressful and time-consuming. If this matter is not resolved promptly to my satisfaction, I will no longer bank with BofA.

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 2023-06-11
Company: Possible Financial 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: Account information incorrect

Complaint:
These Accounts : ( XXXX. ) XXXX XXXX # XXXX. POSSIBLE FINANCIAL INC # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: PR
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:
Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from XXXX, Equifax and XXXX XXXX with no results. I did send them letters wrote down and they didnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CarMax, 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:
as a over the XXXX XXXX XXXX I have my personal information stolen from individuals that i let live in my home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: LEXISNEXIS
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: Account status incorrect

Complaint:
When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My Company received a Domestic wire into our business account onXX/XX/XXXX. I went to the bank that day to do a internal transfer from one CHASE account to another CHASE account, both controlled by our company. 

The Location that I went to was XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The banker that Originally denied me was " XXXX. '' When asked why, he said that the reason was because even though the money was " available '' to me, before they could transfer the funds, it would need to move past " pending '' status in the account. In order to do that, the money needs to sit overnight. When I said that was unacceptable, he went to get his manager " XXXX '' XXXX told me that it was in fact CHASE POLICY that prevented him from moving the funds and that it was the same across all platforms of the bank. He said the reasoning for it was because a wire can be recalled and canceled within 24 hours. However he did inform me that if I went online, maybe I could transfer the funds. When I asked him how it would be possible for me to move the funds by myself if he couldn't do it, he had no response. 

When I asked if this was discretionary, He told me that the decision was final and it was the banks official policy and not his discretion. 

I have worked for this bank for ten years prior and i am very well aware of the policy. 

Chase, like all banks, have a fairly strict " Available funds '' policy. - Meaning if it's in your available funds, you have access to it. There are certain items that will always count towards " available funds '' ( Cash, Internal transfers and Wire Transfers, to name a few ). 

This manager lied to me and prevented me from conducting my business. He would not even check his own policy and placed artificial barriers ( " settle overnight '' ) to ensure his own safety. He had the audacity to say that it was a policy adopted by the entire bank, rather than his own decision. 

My concern is how many other people he has fed this same line to? How many other people had to wait for their own money because this man decided he was going to create an extra rule to prevent people from getting their own money? He could have lied for years and it took someone who actually knows what the policy is to stop this. 

So the concern is that not only did he cause me an extra hour 's worth of work ( finding another branch and talking to a more informed manager, who not only did the transaction, but also apologized for his ill informed colleague ) but his training on his staff, who will repeat the same falsehoods spouted by their manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/2019 someone applied for a credit card in my name which I found out from an alert from XXXX XXXX. I reported it to local police who filled out incident report. I faxed a copy of it to credit bureau twice-they told me fax was the only method they could process. Months went by and I heard nothing. I contacted them many times and finally someone told me after first submission that fax was illegible. I refaxed it and months went by again with no contact from Experian. I called again and they said they never received second fax. It remains on my record as a hard inquiry and its almost a year and a half later. I put alerts on my accounts with all three credit bureaus and social security. Can you please assist?

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 2023-09-22
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX company is the collection agency. I called up citibank and talked to many departments and said that i do not have any bank accounts with citibank. So how is it possible that I would owe an amount of {$290.00} from citibank if i didnt have any accounts in the first place? I disputed it with XXXX XXXX but was not sure if they are going to take action on it and its affecting my credit score every single day.

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 2023-08-14
Company: Paypal Holdings, Inc
State: AL
Product: Credit card or prepaid 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:
Pay Pal XXXX XXXX to an unknown recipient that you cant contact. My phone was hacked by a scam email, when trying to obtain a refund from XXXX. They were able obtained my ip address and access to all my accounts. 
XXXX XXXX. on XX/XX/2023. 
And XXXX to an XXXX XXXX transaction ID XXXX.

Company response to consumer: Closed with monetary relief