BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: AR
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. based on FCRA section 605b Credit Reporting Agencies, the 3 credit bureaus required to remove any items listed on an id theft report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Modoc Tribe Financial Services Authority
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
One of your representatives contacted me by phone call on XX/XX/XXXX at XXXX XXXX  XXXX  ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX  ; again on XX/XX/XXXX at XXXX XXXX XXXX ; again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and again on XX/XX/XXXX at XXXXXXXX XXXX XXXX ; and identified the debt collector as XXXX on each occasion. The phone numbers used to contact me were XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 

These repeated phone calls are meant to intimidate and harass me. I requested that 500 Fast Cash stop contacting me on XX/XX/XXXX. The reason why is because I would like to research tribal loan enforceability in my state as I plan how to payoff legitimate debts and become debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft alert has been placed on my credit reports due to information being shared and stock through data breaches and dark web exposure. There are fraudulent accounts and inquiries listed on my credit reports. Transunion, XXXX, and XXXX have reported accounts that are fraudulent from 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 2022-04-22
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I was injured by a product I purchased online at XXXX by a third party seller in XXXX. This seller kindly agreed to cover my out of pocket medical expenses because I am a senior citizen on a fixed income and need these funds quickly and PayPal was the only way a XXXX citizen could send the funds quickly to the United States so I opened an account with PayPal. Immediately PayPal froze the funds and suggested they had seen " suspicious '' activity on the debit card I had placed in the walled payment section of the app. No evidence was given as to what exactly they meant. Then had the nerve to send me another email, which I have uploaded, suggesting I 'had not responded fast enough to the previous email? '' At first I just sat at my desk trying to process what I had just read, then I because angry and offended because they are suggesting they will hold these funds from me for as much as 21 days till they decide I can have it. This can not possibly be legal. Trying to speak to an actual person is impossible as you have to deal with a chat bot that has no idea what you are trying to tell it. I need those funds now and it is very important due to the medical condition I am having due to this injury and for me to have to somehow prove I am not a criminal is beyond anything I have ever seen. The fees PayPal charges are literally highway robbery. They took out almost {$10.00} from these funds right off the bat and will take another {$10.00} if I ever am allowed to transfer my own money to my bank to the tune of some {$20.00}. PayPal needs to be investigated for not only charging these ridiculous fees but slandering their own customers in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Equifax consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to Equifax by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to Equifax via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX XXXX  the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
IM THE VICTIM OF IDENTITY THET I HAVE PROOF AND I ALSO HAVE PROOF THAT EXPERIAN AGREED TO TAKE THE ACCOUNT DOWN BUT HAVENT FULLY COOPERATE WITH THERE ACTIONS, I NEED HELP IN ASSISTANCE OF GETTING THESE ACCOUNTS REMOVED ,15 USC code s 1681 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE ACCURACY AND FAIRNESS OF CREDIT REPORTING. THE CONGRESS MAKES THE FOLLOWING FINDINGS : ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTING. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM AND UNFAIR CREDIT REPORTING, METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIGATING AND EVALUATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. PLEASE REMOVE THIS 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 explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: WA
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 Account # 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 explanation
Consumer complaint received 2023-03-13
Company: BARCLAYS BANK DELAWARE
State: NC
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:
I became an authorized user on my late mother 's small credit card account with Barclay Bank prior to her death in XXXX. After her death I cut up and returned the cards I had in my possession with notification of her death included and asked the accounts be closed. The accounts continued to stay open. I wrote and and called to close the account repeatedly. It remained open. The cards were not used and for several years I paid the yearly fee in order to not hurt my credit as the creditor refused to follow my request to close the account. Finally in XXXX I called once again explaining that my mother had been deceased six years while they continued to keep this account opened. I was assured that the accounts would be closed and the yearly fee cancelled. 

In both XX/XX/XXXX and XX/XX/XXXX, this account was reported on my credit report with a 30 day late notice for the yearly fee ( they are also trying to collect a yearly fee for an account closed by them ) after I requested the prior month and for the previous six years that the account that was not used and was in a deceased person 's name, be closed. The creditor then closed the account and referred it to a collection agency.

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 2023-05-09
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Planet Home Lending , LLC as servicer of my mortgage loan is charging me {$3600.00} in " total fees and charges ''. Planet has itemized fees on the mortgage statement totaling {$2300.00}. That leaves over {$1200.00} in fees that were never reflected as owed or charged on my monthly mortgage statements. 

There also appear to be duplicate fees/costs charged as far as attorney fees and " foreclosure service cost '' which I dispute as a legitimate fee or cost. 

I was charged {$150.00} for " foreclosure sale costs '' when there was no foreclosure even scheduled for the property as I opted for mediation. The foreclosure case was dismissed in XX/XX/2023, as I received XXXX funds. I believe that Planet over inflated the fees/costs since XXXX was XXXX the payment. 

I requested all XXXX party fees/cost be itemized in XX/XX/2023, however Planet has failed to respond to that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: CA
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 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 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 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 2018-08-02
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX came stopped me from buying my home I need this off I have never done business with them. I have sent countless letters to them asking to prove to me it's my debt by showing me a signature and haven't received anything.

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 2018-05-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a phone call from IQ Data International. Saying I owed a balance of XXXX which includes 7 % daily interest for the XXXX XXXX. I explained to them that I haven't received anything in writing to date about the amount. When I asked what address they had on file for me it was not accurate. Keep in mind I moved out from the XXXX almost a year ago. Also explained that I am disputing the amount owed. 1 ). Because the amount owed involves cleaning fees in which I was told I wouldn't need to pay because when I moved into the apartment it was dirty and infested with spiders. 2 ). Because the final amount to move was given to me by the XXXX and I was told that was the full amount to satisfy the rent. They have been charging me fees of 7 % daily and threatened credit reporting if I did not a pay the amount. I explained to them I don't have the funds to pay it. They said we could look at hardship options. After providing my financial information which clearly shows I don't have anything extra each month I was transferred to senior representative. They advised that I should just charge it to credit cards, or skip a car payment to pay it. And although I am disputing it I still have to pay it and request to be reimbursed later. Her only goal was to demean me and bully me into paying it. When asked to speak with a supervisor the senior representative refused and said I was the only one they could speak with. I ultimately had to hang up and call back and the supervisor again refused to help me. When I called in tears he said maybe you should call me back when you can get it together. When I asked for options he said I just need to pay it. I would like a review of the phone call between myself and the senior representative in addition to the supervisor. The collection practices are unfair and abusive and I want the company reviewed. I was literally in tears by the time I got off the call. I know they don't care and clearly the collection practices of this company are not being reviewed. I will also be filing a complaint with the XXXX. This is not right what they did. 

Date of call XX/XX/XXXX IQ Data International 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 2023-05-09
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Created a police report the second I found out about the fraud on my account. Contacted cash app to lock my account and send a new debit card. 

Created a dispute with cash app about unauthorized transactions that I did not make or give anybody permission to make. 

There was two transactions that occurred. 
XX/XX/23 in the amount of {$2000.00} @ XXXX ; XXXX XX/XX/23 in the amount of {$2100.00} @ XXXX They denied my dispute saying I authorized the transaction or gave somebody permission to.. my debit card was NEVER lost or stolen or misplaced anywhere. They said a cash card was used during the transaction. My details mustve been compromised. I asked if there was a PIN number used and they wont give an answer. I asked where is this merchant loctated at Also, they dont have information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased the vehicle XX/XX/XXXX used online from XXXX dealership. I arrived at dealership received keys signed and left. Within 45 days the car began to have problems. First breakdown was in Utah since I had a warranty I used that to tow the vehicle to dealership they fixed. I work for door dash delivery so was stuck without a vehicle for days. Contacted bank they said it's fine just make payment don't worry if late. XXXX was bad gas was too high fell behind on payments. XX/XX/XXXX through XX/XX/XXXX transmission was gone. I was stranded in California for a month waiting for warranty to kick in. Can't work again and now borrowing money for hotels, food and transportation because warranty only covered XXXX. Went to AZ for a job offer and on XX/XX/XXXX car was gone. I contacted local police they told me was repossessed. I attempted to contact Santander to receiving no replies, documents by mail, or personal property in the vehicle. I checked my credit XX/XX/XXXX it said Santander wrote off the loan then this month I checked credit again and loan was reduced to XXXX from XXXX so basically I guess the car was sold for the difference. Now my credit is ruined because the car was a lemon that had over XXXX different owners I didn't know this until later. Santander Bank has reached a {$550.00} XXXX dollar settlement with XXXX states to settle predatory loan charges to low-income and subprime customers. This was absolutely a predatory loan and second they failed to return my property or provide me any documentation. I worked for XXXX and my other vehicle brokedown so I needed a car. They never even asked for proof of employment I thought it was my XXXX credit score that helped me.

Company response to consumer: Closed with explanation