BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

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 2023-06-06
Company: Block, Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear [ CFPB ], I am writing to file a formal complaint against CashApp, a money service app that operates as a bank account. I believe they have violated their own terms of service by engaging in questionable practices that have resulted in significant financial distress for me. 

I discovered that a substantial amount of money had disappeared from my CashApp account without any prior notification or explanation. To my surprise, there were no transaction statements or emails indicating the occurrence of any refund or withdrawal. It was as if the money had simply vanished into thin air, leaving me concerned about potential fraudulent activity. 

After numerous attempts to ascertain the cause of this unexplained discrepancy, I finally reached out to CashApp 's customer support. Their response left me further unsettled. They claimed that a technical error had occurred, resulting in two transactions, one on XX/XX/XXXX for {$74.00} and the other on XXXX for {$40.00}, being refunded weeks after they should have been completed. However, I was never informed of these alleged refunds, nor was there any record of such transactions in my account statements. 

Months later, on XX/XX/XXXX, CashApp withdrew an additional {$110.00} from my account without any form of notification or transaction statement. This action is a direct violation of their own terms of service, specifically XXXX XXXX, which clearly states their liability for incomplete or incorrect transactions. 

What exacerbates this situation is that I rely on biweekly direct deposits from my employer. The regularity of these deposits reinforces the notion that my account balance accurately reflects completed transactions. However, CashApp 's alleged technical errors and subsequent actions have shattered this trust, leaving me in a state of financial turmoil and uncertainty. 

The lack of transparency, communication, and accountability displayed by CashApp is deeply troubling. They have failed to uphold their obligations as outlined in their terms of service, disregarding the importance of promptly notifying customers of any incomplete or erroneous transactions. 

This situation has caused me immense distress and has had severe financial implications. It has forced me to take time off work to address the issue, disrupted my ability to pay bills, and jeopardized my housing situation. The emotional toll has been significant, as I grapple with feelings of violation, helplessness, and anxiety over the security of my financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 whic
h antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
SSN : XXXX DOB : XX/XX/XXXX American express keeps on blocking my cards from usage, after successfully paying on time every single month also adding close friends from New York and California, embarrassing me with them. they now are asking for a financial review, i XXXX XXXX XXXX   currently, a XXXX XXXX, XXXX XXXX, and XXXX XXXX. i have more then enough money to pay these cards i even called asking about the black card they have but this relationship with America express has been rocky. i have attached copies of the bank accounts associated with my businesses statements. i was told to contact the CFPB by my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: SC
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action.

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 2022-12-23
Company: FIRST HORIZON BANK
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with First Horizon Bank. I received an Escrow Analysis from them dated XX/XX/XXXX informing me that I have an escrow shortage of {$7400.00} which would cause my monthly payment to increase effective XX/XX/XXXX. I promptly mailed them a check for the shortage amount plus an additional {$650.00} because I knew they would be paying for an additional insurance policy premium of that amount. They posted my check in the amount of {$8000.00} to my escrow account. In that I had fully funded the escrow shortage, I expected my monthly payment to remain the same. 

However, on XX/XX/XXXX they took from my checking account the increased payment amount of {$3600.00} rather than the previous monthly amount of {$3100.00}. And they have continued to take from my checking account the increased amount of {$3600.00} each month thereafter. 

I have called their customer service number of XXXX at least twice in XXXX and XXXX trying to get this matter resolved. I was told that this was their error and it would be corrected promptly. On each occasion they have failed to make good on their promise and they continue to take an additional {$550.00} from my bank account each month and place it in my escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a XXXX customer until 2017 when my account was compromised as many others and someone tried to purchase 2 XXXX products under my account. The fraud department contacted me about this and we proceeded with an investigation. It was later proven as XXXX very well knew, that this was order was placed under suspicion of identity theft. I left sprint shortly after for safety issues. They are now saying that I owe for past due and for 2 XXXX  products. The account was sold to Convergent Outsourcing. This is how I found out that XXXX was trying to charge me as well for the two XXXX  products I never had with XXXX. I have had 3 XXXX products with XXXX which I switched to immediately after XXXX had the security breach in 2017.

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 2019-05-10
Company: Ad Astra Recovery Services 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: Old information reappears or never goes away

Complaint:
On XX/XX/2019 I made a payment to clear a past due account that was through XXXX XXXX but was sent to Ad Astra Recovery Services as an account in collections. Upon my payment Ad Astra Recovery Services promised to have the collection account removed from my credit reports in 30 days. Today is XX/XX/2019, 37 days later. The collection accounts have been removed from XXXX & XXXX but still remain on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Santander Consumer USA 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 information incorrect

Complaint:
Santander USA reported my Auto loan balance as having increased by {$160.00} between XX/XX/XXXX and XX/XX/XXXX which contributed to my score falling by 92 points. This could not have been possible as my payments for that period were all made on-time. Santander USA also  reported 1 missed payment which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was renting an apartment in a house for about 10 years ( approx. from XX/XX/XXXXthrough XX/XX/XXXX). Un aware that the landlord was piggybacking off of my electric to service from the basement and other areas of the house that had nothing to do with my account. 

I reached out to XXXX XXXX several times regarding unreasonable electric bills for one person in a small apartment unit. The landlord denied this claim and was also renting out an illegal unit to me which I was unaware of until I contacted an attorney and was advised. 

I ended up taking the landlord to court because he neglected to make necessary repairs and because I believed he was stealing electricity from my meter and that is why my bill was so high every month leaving me with a balance of {$1400.00} and a negative report on my credit.

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 2023-06-06
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
O & L Law Group , P.L . Is a debt collector. We are trying to collect a debt that you owe to galaxy international purchasing, llc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 moved from XXXX XXXX XXXX XXXX ( which is managed by XXXX ) in XX/XX/XXXX. I was employed by them currently. I didn't know that I had this debt until XX/XX/XXXX. I called XXXX XXXX XXXX and asked what the cost was, I thought it was a final water bill. They look it up and was told it was my employee discount. I asked for a dispute. I called XXXX XXXX XXXX XXXX and spoke to the manager XXXX and she said that she would be waiting for them to call and would take care of it for me. I called XXXX XXXX XXXX again to let them know, they were able to take care of it from XXXX. I wasn't aware that I needed it to be disputed from all XXXX beaus, I thought it would be automatic. I have been looking at this since XXXX and filing disputed with TransUnion only to find out that it doesn't matter. It can not be removed, and they do not communicate. I do not owe this debt. Please help me. It's ruining my credit and XXXX XXXX XXXX should have contacted the TransUnion to have it removed.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
XXXX XXXX XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected 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 explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2018-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE ASKED THAT PORTFOLIO RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-06
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: Public record information inaccurate

Complaint:
Equifax vantage XXXX score is XXXX points lower than other XXXX XXXXXXXX scores. Equifax lists factors affecting score ( 1 ) bankruptcy ( 2 ) collection accounts. Neither of these are on my account and references should be removed.

Company response to consumer: Closed with explanation