BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$570.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint to XXXX XXXX XXXX on XX/XX/30 certified receipt. It was received XXXX It wasnt my account XXXX  and XXXX  deleted account. However, equifax is still reporting not to mention no notice of dispute was documented Im requesting removal of account from my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Cash app closed my account permanently in XX/XX/22 without explanation at the time of closing I had {$760.00}. Cash app refuses to release my money and have been extremely evasive the phone number is bogus because no human ever answers of call back. I have reached out to 3 different people in administration via XXXX and im still waiting for an answer. 
Ive reached out via cash app support in the app only to realize its a cashbot a robot I even asked for an arbitration via XXXX no response I am tired of begging for my own money and at this point I see the entire situation as theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my IDR application XX/XX/, according to studentaid.gov, EdFinancial received my paperwork on XX/XX/. On XXXX, I submitted a form through the contact us section of their website asking for a follow up. This was after I was on hold for 2 hours and the line was disconnected before I could speak to a representative. On XX/XX/ I was able to get connected to a representative that stated I needed to wait 20 business days but that they had everything they needed from me. On XX/XX/ I received an email response to my contact us submission advising to wait 22 business days. On XX/XX/ I followed up, as that had been 35 business days from XX/XX/. They never replied to this follow up. I called again spoke to XXXX on XX/XX/, who advised that my application was incomplete. He completed it with me over the phone and advised me to make {$10.00} payments, ignoring what the EdFinancial website stated was due. Today is XXXX  and EdFinancials website is still reflecting my payment amount as incorrect and I am past due. I am hoping that I will be able to get this resolved for find a solution through the CFPB. There were more phone calls, longer wait times, and no call backs but I didnt record the dates for those.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent multiple sets of dispute letters and complaints alongside my FTC report but you there at Transunion are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! 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 United States Postal Inspection Service, 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. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : 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 2022-11-16
Company: EQUIFAX, 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
MILESTONE MASTERCARD I will LIST this Problem Description for an Easy Read : 1 ) Minimal Payment of {$40.00} Due On XX/XX/XXXX 2 ) Made Payment of {$200.00} On XX/XX/XXXX, at XXXX ( six days early ) 3 ) Payment Posted To My Milestone Account On XX/XX/XXXX, At XXXX 4 ) Payment was Posted To My Bank Account On XX/XX/XXXX 5 ) Payment Cleared Bank Account and Payment of {$200.00}. Verified As Received 6 ) Monthly Statement XX/XX/XXXX -My {$200.00} Payment Has Not Been Applied 7 ) Six Days My {$200.00} Payment Has Cleared Bank Account Balance Is $ XXXX 8 ) Day Seven - My Balance Is $ XXXX 9 ) Day Eight - My Balance Is $ XXXX XXXX ) Day Nine - My Balance Is NOW NEGATIVE $ XXXX! 
11 ) Day Ten - My Balance Still $ XXXX ( Call To Milestone - Will Clear On XXXX ) 12 ) Day Eleven - My Balance Is Still $ XXXX 13 ) Day Twelve - My Balance Is Still $ XXXX XXXX ) Day Thirteen - My Balance Is Still $ XXXX 15 ) Day Fourteen - Balance STILL $ XXXX DATE IS THE XXXX of XXXX! 

TAKING FIFTEEN DAYS TO PROCESS? THIS IS NOT MEETING THE DEFINITION OF " GOOD FAITH '' STANDARDS SET BY THE CONSUMERS FINANCIAL PROTECTION AGENCY! THIS IS UNACCEPTABLE!

If I had Known They Were Going To Take 15 Days To Process ( AND COUNTING ) ... Then I Could have Withheld {$35.00} And Bought My Prescriptions I HAVE BEEN WITHOUT XXXX FOR FIVE DAYS! 

They Told Me Funds Would Be " Released Tomorrow '' I Told Them I Needed My XXXX! They Spoke To A Supervisor! AND STILL REFUSED TO RELEASE MY LINE OF CREDIT >>> THAT! IS NOT FAIR PRACTICE OR GOOD FAITH THATS CALLED LEVERAGE! XXXX AND THAT IS NOT RIGHT! 

THIRTEEN DAYS SINCE THE PAYMENT WAS COMPLETELY POSTED AND FULLY CLEARED MY BANK ACCOUNT! - " CLEARED '' JUST CALLED THEM AGAIN STILL ON HOLD! I AM DISGUSTED - I NEED MY PRESCRIPTIONS!!! 
IF YOU PAY THEM FIVE DAYS EARLY AND PAY A THIRD OF WHAT YOU OWE AND GET TOLD IM SORRY FOR SIX PHONE CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/ I have received an email from the U.S. Department of Education about that a loan service called EdFinancial said that I got payments due in XXXX. I was clueless about this payment because nobody notify me about this. Also, I have never signed up to a EdFinancial account. Then, I got mail from EdFinancial stating that I owe XXXX dollars for the month of XXXX. I am so confused at this point because I am already paying student loans to XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-16
Company: EQUIFAX, INC.
State: OH
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  Account # XXXX has Violated my right 's 15 USC 1681 Section 602 States I Have the right to Privacy 15 USC1681 Section 604 A Section 2 : It also States a Consumer Reporting Agency can not furnish a A account without my Written Instruction 's 15 USC 1666B : A Creditor may not treat a Payment on a credit card account under a open end Consumer Credit Plan as Late for any Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Bridgecrest Acceptance Corporation
State: IN
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:
Vehicle loan thru Bridgecrest is still showing it as open and having a XXXX $ balance as of XX/XX/XXXX it should have been closed and fell under under service member credit relief act. Since I was a XXXX  warrior waiting XXXX retirement. It has caused numerous problems with me obtaining new auto loan and they typically effect my score it was open in XXXX and it should be off my credit report but instead it's still showing up as an open account and as a active loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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 Fair Credit Report Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

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 2023-05-28
Company: Resurgent Capital Services L.P.
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:
There are a lot of credit that isn't mine I dispute it but it's still there I tried to explain to them it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: RI
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:
My real estate agent just recently pulled my credit report and I came across alot of accounts that dont belong to me. I never applied for these accounts, I have no idea who stole my credit but i am in desperate need of removing these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MA
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 am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following is the detail of the inaccurate information and the required correction : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} The above account was never late, contrary to the information on my credit report. I kindly request Equifax to correct this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was done in XXXX, I was trying to find somewhere to stay because I was supposed to join the military, being I couldnt leave it messed a lot of things up. I was joining the reserves so I was looking to stay in the college apartment, before I was supposed to leave I completed an application which I was never told if I was approved or denied. I didnt receive any calls, text nor email stating I was approved for this apartment. Moving forward, I never received the keys how do I have XXXX in collections for somewhere I never moved? Never was told I was approved. I tried to move in XXXX and completing applications I realize this apartment complex put an entire XXXX in collections on somewhere I didnt step foot in. I have emails stating I never stayed here with the apartment complex. This is like fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
To Whom it may concern, RE : XXXX DCU Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) " the term consumer report does not include '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account on my consumer report you are in violation of the law. remove the Account from my consumer report : XXXX DCU Failure to respond satisfactorily with deletion of the all Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 writing to express my deep concern and frustration concerning the ongoing issues I have been facing in my attempts to remove fraudulent items associated with my account from XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I clearly explained the situation and submitted the required documentation. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and decisive action to remove the fraudulent items from my account. 
Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the fraudulent charges ' removal. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for your assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-16
Company: EQUIFAX, INC.
State: LA
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 am a single hardworking mother to XXXX kids trying to buy a safe home for us to live to get out of the shelter. I realized that I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report as a result this is major defamation to my character. I have disputed all fraudulent accounts and inquiries with all 3 credit bureaus dispute center. Nothing is being done. I am in dire need to get these items removed to be able to secure a safe home for me and my children.

Company response to consumer: Closed with explanation