BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Block, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
We use The Square as a method of taking payments from customers. Over the last four weeks, all funds in the account have been suspended and the company will not release the funds. They have requested additional information on several occasions that was supplied to them. THe most recent request for information reveals that there are two customers and they want an invoice on both of these customers. The invoices were submitted. In speaking with a manager on XXXX they are requesting additional information on the customer specifically : address, phone number, e-mail address. The customer feels that providing this information to this source is an invasion of their privacy and does not want it disclosed. They are also stating that they don't want the information disclosed because they believe the company sells their information.The Square is stating that they will not release the funds in my account until they have this information. I requested that The Square withhold a total of {$300.00} which is the total amount for both invoices and release the remainder of the funds since they are not in question. THey refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This credit situation is deterring me from purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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:
Hello, thanks for taking the time out to consider my issue. 

I am the owner of XXXX XXXX and my name is XXXX XXXX XXXX experian XXXX ID # XXXX CASE NO : XXXX was not resolved therefore I am reaching out to the CFPB for a solution. 

I have Contacted Experian credit monitoring services ie : ( SmallBusiness.experian.com ) ( www.busuinesscreditfacts.com ) on multiple occasions for two reasons! 

1. Experian continues to report my business address incorrectly despite me reaching out to them via XXXX on XX/XX/XXXX. Experian continues to report my business address incorrect after I followed the companies instructions and manually updated my address via www.businesscreditfacts.com. 

When going back to check the website ( www.businesscreditfacts.com ) after updating the address shows an incorrect address for XXXX XXXX which I am able to search in their system. 

XXXX XXXX ( CORRECT ADDRESS ) - XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XXXX. There is an account reporting incorrect UTILIZATION information. There is no account that i have that is currently at 100 % utilization. This is incorrect information and needs to be fixed immediately. It seems to be affecting my Experian Commercial business credit score. As of today XX/XX/22 This account shows a balance of XXXX with a utilization of 100 %. I have no business credit acct or vendor that reports anything less than {$1000.00} dollars. 

There isn't enough information available for me to directly contact the company reporting the info before reaching out to Experian Commercial. I checked my experian business credit report and there is no form of contact for this account reporting 100 % utilization. 

I HAVE ATTACHED SCREENSHOTS AND VIDEO PROOF OF EVERYTHING I HAVE ADDRESSED IN THE MESSAGE ABOVE.

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 2023-11-11
Company: JPMORGAN CHASE & CO.
State: OH
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:
XXXX amounts of XXXX and XXXX of XXXX were charged to my account. When the claim was disputed it was rejected because they said the service was rendered. It was not. I have provided multiple accounts of disputes to the merchant with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX Account # XXXX asserted collection for Comenity Bank Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, XXXX XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals XXXX XXXX XXXX Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. XXXX XXXX XXXX Account # XXXX on behalf of Comenity Bank Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: FORD MOTOR CREDIT CO.
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: Account status incorrect

Complaint:
Ford Motor Credit has reported me to all all 3 reporting bureaus as late payments were made and Ford never updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX  XXXX 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 explanation
Consumer complaint received 2023-08-19
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citi Bank introduced Flex Loans ( an installment plan using ones available credit on an existing credit card ) and advertised them heavily. I used one of the offers to finance an unexpected home repair. After the Flex Loan was in place their website offered me a 0 % APR balance transfer. Having used balance transfers before, Im reasonably confident in how they work and felt comfortable using this offer. After making two payments on my account now with two balances at different APRs, I learned that based on Citis payment allocation rules, its not possible to pay anything toward the 0 % balance until the Flex loan is paid in full. The 0 % offer expires about 2 months before the final Flex Payment is due. Thus, if I dont pay the Flex Loan early, I will get hit with the interest on the 0 % balance, making this offer  impossible to use in real life. The system that generates these offers should have been programmed with this understanding. I find it hugely deceptive to be presented an offer that I cant effectively use. 

On XX/XX/19 I spoke with XXXX via chat who confirmed for me this is the case. I then called and spoke to a person who didnt seem to understand what I was saying, so escalated to her supervisor at my request. The supervisor also confirmed for me that this is the case, but could only document my complaint as a resolution as there is no fix, other than for me to pay off this card and not look back.

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 2023-06-13
Company: Early Warning Services, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account with XXXX XXXX they advised me that a company called early warning systems had a bad report on me for checks. I explained to them in XXXX someone tried to use my bank account that I had with XXXX XXXX XXXX all my identity was stolen. I dealt with the same problem with XXXX XXXX  and they verified that it was fraud and that I had nothing to do with this. XXXX XXXX  removed it I also sent them a police report showing them my identity was stolen in XXXX, XXXX, then again XXXX this has been a on going problem I believe its a family member who lived with me. This person has opened accounts, credit cards, applied for apartment 's and charged cards up that i had. she has had my Identification, bank cards and social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-05
Company: WELLS FARGO & COMPANY
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$25000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$6000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: MO
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 this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX 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 explanation
Consumer complaint received 2023-01-15
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company is XXXX XXXX ( Tek Collect )! This has been on my XXXX credit report since XXXX. I have added it in a bankruptcy twice now! I have repeatedly told the credit bureau to remove this for years. They do not listen. I have again recently noticed it is still on my XXXX report!! It states another update that it will be removed on XXXX. I am ready to file a law suit against them. They just don't STOP! Is there any way you XXXX be able to help with this matter? Before I call my lawyer to have this taken care of Thank you, XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN 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 non-monetary relief
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted XXXX XXXX XXXXXXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$53.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$84.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/2018 Reference # : 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The payment was XXXX but they were putting part toward interest and then late fee every month. The actual principal was XXXX and then interest and the late fee. The payment was not late. I called and they just talked around what the other fee was and never would really answer my question. Someone later called me back and tried to say that was not what that meant ( the part about late fee ). I never understood and am still having to pay the same amount, they are not breaking it down to principal and interest XXXX hidden fee.

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 2021-03-05
Company: Asset Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original creditor XXXX XXXX was notified that the credit card was opened fraudulently. I have tried to resolve the issue for 2 years now. I have filled out the paperwork the bank sent stating charges were fraudulent. I had the credit bureau Freeze my reports do to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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