BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I use cash app to send and receive XXXX. I had a problem with a transaction they wont tell me why but long story short they said they had to return the funds, okay no big deal but now its been a week and they money hasnt shown if you look it up on the block chain it just says it will in one day but has said that for a week. Cash app wont respond to my chats or emails, and just wont help me get my money back at all when the fault is on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I filled a complaint against Citizens Bank for using false/fraudulent practices when getting to me sign up for a credit card. I filled a complaint using this system. Before I filled a complaint, I closed the credit card due to that company not fulfilling the promises they gave me. 
The resolution that I got from the office of the chairman was that they could not fulfill the promise that their agent gave me and instead reopened the credit card WITHOUT MY CONSENT. 
This company has done damage to my credit twice now. 
Their office did not ask if I would like that credit card, I did not sign anything agreeing to it and they did not give me the terms and conditions for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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.

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: Paypal Holdings, Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My payroll direct deposit is deposited into a vemo account I got a direct deposit into my venmo account on XX/XX/2022 when I went to go use my card and also send my daughter money I got an alert saying that my account had been frozen after that I had emailed the support team for venmo and submitted the documentation that they needed they said there was a security reason for them to freeze the account I sent over my driver 's license my marriage license and both of my bank accounts that are attached to the venmo account XXXX days later last night XX/XX/XXXX she lie XXXX at around XXXX a.m. I got an email from the support team saying that my account had been unfrozen and I will be able to use my account like normal this morning XX/XX/XXXX I went and I sent out money to my daughter and I got an alert that said you can't do this your account is frozen again I talked to the people at venmo the person I spoke with was very compassionate and understanding and also said this was no fault of my own that somehow they had put restrictions on my account that when anything is done that has anything to do with those restrictions my account would freeze when your account of your account freezes with venmo it can take up to seven or 10 business days for it to get fixed this is my only income I was laid off last week on Thursday the only dime I have was the {$580.00} that was in my account my children have not had any groceries my animals have not had any dog food the only people that are suffering through this are my children so I have expressed this to demo several times a day and I still get no reply back.. the reason why I'm filing a complaint with you all it's because I googled what to do when you're trying to file a complaint with a bank and this is what I got so please I need you all 's help please contact me ASAP so I will not have to send my children to other family members just for them to have nutrition

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2023-10-17
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act XXXX  with Account # XXXX has violated my rights.

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

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I did not give written instruction to furnish the following experience and payment transaction. 

XXXX XXXX XXXX XXXX  reporting as late These are the laws being violated : Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2021-04-24
Company: Experian Information Solutions Inc.
State: SC
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:
This is all described in an existing open complaint, but I want to note that THIS ERRONEOUS CREDIT REPORT TRADELINE WAS UPDATED BY THE CREDITOR ON XX/XX/XXXX, AND WAS UPDATED BY EXPERIAN 'S COMPETITOR 'S XXXX  AND XXXX ON XX/XX/2021. And yet here we are a month and a half later, and two complaints to CFPB later, and with it resolved ON MY CREDIT REPORT, and yet Experian claims they are still investigating. What is it that they are investigating? So I note that they have failed to complete an investigation within the 30 days required by law, in addition to LYING ABOUT DOING ANY INVESTIGATION WHATSOEVER INTO MY DISPUTED TRADELINE. Had they done any investigation, they would have updated the report on XX/XX/XXXX with the correct balance and closed notation, just like the other reporting agencies. They really are claiming to investigate and NOT INVESTIGATING. And at this point, THERE IS NOTHING TO INVESTIGATE, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO INVESTIGATE A MINOR DISPUTED ACCOUNT TRADELINE. 

XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Open Company response is in progress as of XX/XX/2021

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was reached out to via XXXX XXXX by a XXXX XXXX. She said that she liked my profile picture that I had for XXXX, and would like to use it for inspiration for a mural that she is doing for a business. She told me that she would compensate me for using my picture. I saw that we had a XXXX friend ( who I know personally ) in common, and decided to go with it. She emailed me a check for {$3500.00}, and I cashed this check through the mobile deposit my bank has on its app. After I cashed the check, XXXX XXXX began demanding that I send money to XXXX different people ( XXXX XXXX and XXXX XXXX ) for their art supplies. I questioned XXXX XXXX about this, and she continued to demand about me sending money to these people for the monetary value of {$1000.00} each, and the rest of the money I would be able to keep. I still questioned her about it, since she claimed to be a business woman, and she began to threaten me. She told me that she would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I gave in and transfered a total of {$2000.00} ( {$1000.00} to XXXX XXXX and {$1000.00} to XXXX XXXX ) through XXXX and PayPal. 
The next day, XX/XX/XXXX, my bank contacted me and I told them what had happened. They told me that since I transferred money, I XXXX not be able to get any money back. They did give me a XXXX credit for the PayPal transaction. I contacted local police, and reported on reportfraud.ftc.gov. The check of {$3500.00} bounced back, and I was left with {$2000.00} less in my bank account. XXXX business days later, my bank sent me a document that the report that they made for fraud was declined. 
I have been receiving emails and messages from various people that have been still threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 U.S.C 1681 XXXX XXXX XXXX XXXX Credit report XXXX transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$260000.00}

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 2022-05-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX, I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX working on my XXXX XXXX  know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.

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 2023-06-23
Company: JPMORGAN CHASE & CO.
State: OR
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:
All debit is to be discharged banking act 1933  and improper reporting and sharing of my credit report I am the beneficiary of my trust all debit should be paid off there should be no negative on my account and sharing my info with out my permission is a fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony Bank called me in XXXX XXXX, to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to XXXX XXXX XXXX for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). 
Today, XX/XX/2022, I received a letter from XXXX XXXX XXXX saying that I have to pay them a debt of {$5200.00}! 

I do not owe that money nor have I borrowed it from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: TN
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:
Company- XXXX XXXX XXXXlate payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: AMERIS BANCORP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
( 1 ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX executed an insurance premium finance agreement with XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX. 
( 2 XXXX XXXX XXXX XXXX XXXX finances {$410000.00} of {$480000.00} in insurance premiums with XXXX XXXX XXXX. 
( 3 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its first partial down payment of {$42000.00} to XXXX XXXX XXXX XXXX. 
( 4 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its second and final partial down payment of {$26000.00} to XXXX XXXX XXXX XXXX. 
( 5 ) XXXX XXXX XXXX XXXX made three monthly payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of {$45000.00} which included a late charge of {$2100.00} for each payment made, totaling {$130000.00}. 
( 6 ) On XX/XX/XXXX, both General Liability and Excess Liability policies were canceled. Two Cancellation Endorsements were issued. The General Liability policy was to return unearned premiums based upon a completed audit. The Excess Liability policy returned {$82000.00} in unearned premiums to XXXX XXXX XXXX. 
( 7 ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX Assistant Vice President of Collections, received confirmation by the General Liability carrier that the audit was completed. 
( 8 ) On XX/XX/XXXX, a Summons and Complaint was filed in XXXX XXXX Supreme Court against XXXX XXXX XXXX XXXX in the amount of {$230000.00} as balance owed and due to XXXX XXXX XXXX. 
( 9 ) On XX/XX/XXXX, XXXX XXXX, Owner, and President of XXXX XXXX XXXX XXXX requested a detailed breakdown of the amount XXXX XXXX XXXX claimed XXXX XXXX XXXX XXXX owed. XXXX XXXX XXXX ignored the request. 
( 10 ) On XX/XX/XXXX, the General Liability carrier issued a Cancellation Audit Endorsement with a return unearned premium of {$200000.00}. 
( 11 ) On XX/XX/XXXX, XXXX XXXX XXXX  informed me that XXXX XXXX XXXX will not be waiving any accrued interest or fees and will continue to litigation for the balance of $ XXXX on unearned premiums, in addition to legal fees. 
( email attached ) ( 12 ) XXXX XXXX XXXX is in violation of Section 3428 of New York 's Insurance Law.

Company response to consumer: Closed with explanation