BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On, XX/XX/2021, a client of mine paid me via an ACH transfer via Square. They put a 4-day hold on it which is their normal operating procedure. On XX/XX/2021, I was informed via email that they deactivated my account and informed me they would hold any money in the account 90 days before they would release it. The amount they received from my client was {$120.00}. The only way they would let me resolve the issue was to issue the client a refund, which I did, and arrange for payment differently. Fortunately, my client paid me in a different method. I attempted on contacting Square.Com on the phone to no avail. When I finally did get through, I was not able to talk to a person, instead, I was inputting information into their phone system. I was informed that because they deactivated my account they would not put me through to anybody and that no other information was available. In short, I am a very dissatisfied customer and they delayed my ability to work for an entire day. This is unfair to me, my clients, and extremely unprofessional. I requested they contact me via email regarding this issue which they have refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
****NEW AND UPDATED INFORMATION REF XXXX The company has admitted to being willfully noncompliant to the FDCPA and Truth In Lending. I will be addressing multiple violations within the contract and response provided by Credit Acceptance. First, FEDERAL law says you have to RESPOND to my debt validation letter as well as my cease and desist, in which you have failed to do and you are showing that you are willfully being noncompliant with FEDERAL law. Second, Credit Acceptance is a debt collector as defined by the FDCPA, you sent monthly statements to my email implying that I owed a debt.. which is the definition of what a debt collector ; please reread the law. Third, 15 USC 1635 says that the consumer has the right to rescind a transaction in regards to ANY consumer credit transaction. You FAILED to provide me with my right to rescind pursuant to the Truth In Lending Act which constitutes fraud. You have also failed to disclose that pursuant to 15 USC 1605, my insurance could've been included in my finance charge.

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 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Pertaining to 15usc1692 the company have been violating my rights and issuing a debt out to me that i dont owe. Also i contact them and place a cease & desist order for them to stop contacting me and they continued to do so by sending me emails about a debt i dont owe and a closed account. They have violated my rights multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited my insurance check XXXX months ago and they cleared it sane week but did not give me acesss to funds once they verified it they have been giving me the run around told me they would close my account once I kept calling back to back I have XXXX in there its been gain interest and everything and they will not release my funds they wont even answer the phone anymore I havent been able to talk to anyone last time I was able to was XXXX months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-15
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX. I randomly pulled my credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there was no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. 
I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, they items must be removed. 

These are listed on my Equifax Credit Report. 

The unverified inquires are listed below : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The fair resolution would be to PLEASE remove items that were not authorized and verified. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
Experian, Please see attached complaint, Drivers License, and social security card - we need to remove the below statement from my credit report : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2023-03-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-22
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 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 2021-09-15
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've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise

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 2022-12-13
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Purchased new build in XX/XX/XXXX Property taxes were overestimated as they were currently reflecting low tax amount for vacant land ( uploading Monsoon Sheet for your review - shows low tax amounts for XXXX as {$2.00} : XXXX as {$200.00} ; and XXXX with new home as {$1600.00} ) In XX/XX/XXXX, XXXX XXXX assessed the land and the taxes reflected the home ( not just vacant land ) I asked for an escrow analysis as I knew there was an overage in the escrow account The loan servicer agreed, noted the overage, issued the refund check However, the escrow analysis showed the property tax estimate for XXXX to be {$10000.00} the ACTUAL taxes are {$1600.00}. 
This would INCREASE my monthly payment by about {$400.00} which is incorrect I called customer service and the servicers tax department on XX/XX/XXXX. I spoke with both XXXX and XXXX. XXXX let me know they had access to the current actual tax bill and was not sure why the estimate was over 5 times the actual tax amount I was told that they would adjust that to the correct and accurate amount by my next billing on XX/XX/XXXX That correction was not made. 
I called again, XX/XX/XXXX and spoke with XXXX, XXXX and the escalation team ( XXXX ) The result was I was told that the issue would be resolved I asked for this to be done before the XXXX payment is due as the payment should be LESS than it was before the escrow analysis that showed an Overage. 
as of XX/XX/XXXX, this correction has yet to be made. 
I have attached the XXXX tax sheet that shows the last few years tax amounts so you can see they currently reflect the new home as well as the escrow analysis ( see page XXXX for the XXXX estimated taxes in the amount of {$10000.00} ) And the current property tax bill of {$1600.00} I have also included a copy of the current mortgage bill that shows my estimated payment for XXXX to be {$2400.00} as opposed ot the current amount of {$2000.00} The XXXX servicing departments, on both calls, confirmed that they already had the current tax bill in hand and did not need me to send a copy. 
I expect that this gets resolved ASAP as they can not charge XXXX times the actual tax amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my 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 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 2022-11-11
Company: EQUIFAX, 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:
I have tried to contact the credit bureaus and creditors in reference to inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : 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 2019-01-21
Company: Asset Management Outsourcing, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2018 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 2022-07-25
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:
I have noticed that my credit score is going down drastically this past few weeks and i have only made improvements to my credit file : 1. My score went from XXXX to XXXX because my credit card usage went from 40 % to 56 %, then i brought my credit card usage down from 56 % to 40 % and my score only increased 10 points ( so I lost the additional 37 points! Then i noticed my score dropped again today XX/XX/XXXX down by 5 points FOR NO REASON. i looked to see if anything had changed today but nothing had changed ( i had actually brought down the credit usage ). So basically score went down by 47 points for haveing 16 % extra usahe then when it went back down by 16 % my score only increased by 10 points! and TODAY IT HAS GONE DOWN 5 POINTS WITH NO REASON AS TO WHY AS NOTHING ELSE HAS CHANGED! I logged in today XX/XX/XXXX and says my score decreased again by 5 points and there is no reason provided! 

2. I have had 2 auto loans in the past few years. The auto loan i have last year i made my payments early ( for the entire duration of the auto loan with capital one THIS WAS 1 YEAR ) but i saw no change in my credit score it never increased not by 1 point! so by making my payments on time for an entire year it made no change to my credit score. 

Again i purchased a new vehicle this year and have an auto loan with XXXX now on a different vehicle and still paying on time has nade no difference to my credit score.

3. Experian boost is a fak scam. I added 3 seperate bills ( XXXX, XXXX and XXXX ) these are all utility bills. It showed 2 payments made in the past few months and when it gets to 3 payments made in 6 months i would get a boost to my score! Once all 3 of these bills reached 3 payments made it said my score would increase for each utility bill. I got a notification that they were ready to be added to boost but all 3 bills made ZERO impact tto my score. If that is the case then why do they even have boost??? Its fake and a scam thats dishonest and untrue.. and i would like to report them as for every bill i met 3 payments its made no change to my score.

Despite paying on time for every credit card auto loan i have seen my credit score decressing monthly and there is no explanation why my score keeps taking drastic drops by 40 points in one go or 10 points in 1 go!!! 

I want experian to be investigated as something incorrect or dishonest is going on with my credit file. If i received another notificationtoday saying my score dropped again byy 5 points then they should have an explanation as to why it has dropped 15 points in 1 week as nothing changed ( i actually lowered my credit usage!! and their Experian boost is a complete fake and lie!!

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