BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair Credit reporting Everything has to be 100 % accurate on my credit report. 

The credit report states my account was properly investigated but How is that if The address that XXXX XXXX is reporting is incorrect I never live at this address shown on the The original contract XXXX XXXX XXXX XXXX Fl XXXX I requested from the creditor a copy of the Explanation of Calculation of Surplus or Deficiency this letter was sent out on XX/XX/XXXX How could I have received this Letter if I never stayed at the above address I am attaching documents Shows my address where I was living at the time that this letter was sent out i was currently staying in a XXXX abuse shelter Address is XXXX XXXX XXXX XXXX where I was staying at the time of this letter I have a copy of the letter that the Shelter provide for me for verification purposes up until that time I moved into my own place Address is XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX my move in date was XX/XX/XXXX I have attached my rental charge payment ledger to show the date I moved in This place the dates and Address do not match what the creditor is Reporting on my credit report Explanation of Calculation of Surplus Deficiency states I live at XXXX XXXX XXXX XXXX Fl XXXX this is not true or accurate ive already submitted a dispute on the accuracy of the Debt I owe is inaccurate two on my Explanation of Calculation of Surplus or Deficiency it shows a balance of XXXX The creditor reporting a balance that shows on my credit report is XXXX Is not accurate I am attaching documents showing the accuracy of my address And the Balance thats being reported Is not accurate This guards for removal they also violated my rights Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 2 : it also states a consumer reporting agency can not furnish a account without my written Instructions Also the credit bureau to more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: World Acceptance Corporation
State: AR
Product: Credit reporting 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:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were XXXX shows a high balance of {$3300.00} and others show {$4400.00} and one recent XXXX XX/XX/XXXX late payments while others show some and others show lots? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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:
My name is XXXX XXXX I've sent a letter to the 3 credit bureaus XXXX, Experian, and XXXX explaining my concerns about my credit report. Asking them to verify some negative items on my report to make sure they are accurate and correct, as I am unaware of them. 
Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX In response from 2 credit bureaus, have done their investigation and told me everything is accurate and correct, but they did not review all account numbers, I requested or sent proof of their investigation. Experian has not sent me anything back in the mail, concerning my letter. I have also requested the 3 credit bureaus if upon their investigation they find everything to be accurate and correct, they forward me a description of the procedure used to determine the accuracy and completeness of the items listed below within 15 days of their completion. As it is my right to do so by the Fair Credit Reporting Act. They have not done so.

I will upload all documents concerning the letters I've sent as well as dates, receipts, and response letters from the credit bureaus. Upon their investigation, I've double-checked my credit reports and found the information is still reported as incorrect or inaccurate. 

I will also upload documents that show inaccurate and inconsistent dates of the information being reported on my account. 


By the Fair Credit Reporting Act XXXX, a few Account numbers listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 explanation
Consumer complaint received 2023-11-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan and went back to pay it off and take a new one the next day. This is a process I have used before. When I made the payoff it was a lot higher than it usually is and the person at the store couldn't tell me why but said I was not the only person who was complaining about it being higher but the company had not released any info to the public or them about any changes. I then went in the next day to talk to the store manager and she told me she didnt have any access to my loan info only what my last pay off amount was but no details on the current or older loans to help compare. She then gave me the number to the customer service over the phone for the company I called them and they couldn't give it to me either they said the store is the only one who can provide this info. My last attempt to get the info was speaking to the area manager who told me he would get with the loan dept and find out why it was higher and get the info on the interest, When he called back all he said they were able to give me was the reason the prior pay off was less is because i took out a smaller loan which has nothing to do with what I was asking for. I mentioned it was a violation of the truth and lending act to not share the details of the loan with me when requested and if he cant get it the store cant get it the customer service number cant get it and the loan team doesn't have access how in the world can I get the info he simply apologized and said it was all he could give me. I still had to take out another loan as I wasn't financially prepared to pay it all off at once and not take a new one so I am currently making installment payments on the loan now and they cant give me info on this loan either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 30 days Late Past due amount {$0.00} Fraudulent Account : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargedoff Past due amount {$180.00} Fraudulent Account : XXXX XXXX XXXX IN ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Date XXXX XX/XX/XXXX Open/closed Closed Status Charged off Past due amount {$530.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$170.00} Fraudulent Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There was a computer glitch with TransUnion. It caused the inquiries to be deleted.   TransUnion later added them back to my credit report without giving me any notic e five  days prior to re-adding them, that by law they have to. I contacted in good faith to ask them to the inquiries that they had illegally re-added. I spoke to  XXXX  on  XXXX / XXXX / XXXX  around  XXXX  and nothing could be done. As a resolution I want the inquiries to be deleted permanently from my report as a violation took place when they were illegally added.     These are the  XXXX  inquiries :   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 2023-03-08
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX please delete hard inquires

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 2023-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection account is on my credit report but it is not mine. I reported this to them but they refuse to remove it from my credit report. It is ruining my credit and it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to the  TD Ba nk in  XXXX  MD on Friday,   XXXX   XXXX   XXXX     to cash a check for {$9000.00} that was written on a TDBank checking account. The  He  ad Teller , Ms.  XXXX   XXXX , assisted me with the transaction. She asked for my identification, which I promptly provided. She took a long time working on the transaction ( probably about  10   minutes ).  She consulted the computer an d one o f her colleagues ; and a t one  point went into the back. Finally, with another bank teller at her side, she told me that they would not be able to cash the check since it was for such a large sum and they had tried to reach the person who wrote the check by telephone to confirm that it was OK to cash the check. I responded by saying, " Why would you need to call him to cash the check? He has an account here and you should be able to confirm that he has sufficient funds with which to honor the check. '' Ms.  XXXX  explained that " this is a small bank branch and the check is for a lot of money. '' She asked if I had an account at TDBank. I told her " no '' and she asked if I wanted to open an account with them. I told her " no '' and that I have an account at another bank. I explained that I simply wanted to cash the check that was drawn on  TD Ba nk. She refused to cash the check. I had to ask her to return the check and my identification in order to get both back. I left the bank without being able to cash a check that was drawn on the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I submitted a {$1000.00} payment to my XXXX credit card. The money was withdrawn from my checking account and as of this complaint, the payment hasnt been applied to my credit limit. The response from XXXX is completely illogical and unacceptable, as they havent adjusted my credit limit to reflect the payment. They informed me it could take another 7 days to post/reflect. I have {$20000.00} and {$30000.00} limits with other card issuers and a perfect payment history. Its unfair and borders on discriminatory for a credit card provider to accept the payment then take weeks to adjust the credit limit.

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 2017-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wellsfargo wiped out my savings without my knowledge. I did not get any warning or letter or whatsoever. Wellsfargo closed my credit card since this company charged my credit card with fees and interest. I went  to ask in their branch on Saturday in  XXXX   XXXX / XXXX / 17  at  XXXX  and the clerk said I have to call  XXXX  no. which is closed. The clerk was not patient and empathetic to my situation. I was just told it 's legal matter.

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 2017-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One  Auto Finance provided a document as their method of verification how was this physical documentation provided to the credit reporting agencies  XXXX ,  XXXX   XXXX  and  XXXX . Please provide the method of verification, did you all under the FCRA law send this physical documentation with my signature to the credit bureaus, IF NOT, then the information under FCRA Section  623 of the Fair Credit Reporting Act governs the responsibilities of furnishers ( CAP1 AUTO FINANCE ) of information to consumer reporting agencies to report 100 % verifiabl e and 100 %. If this physical contract with my signature was not PROVIDED to  XXXX ,  XXXX , and  XXXX   XXXX  I attend to Pursue litigation under applicable laws for this violation. Send it  Via  CFPB portal the confirmation of this contract with my signature and how you sent it to  XXXX ,  XXXX , and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX I went to the teller to withdraw some funds and wasnt able to withdraw the funds. It state it wasnt enough funds to complete the request. I called cash app explained everything to them. I stated that I couldnt withdraw nor could I transfer the funds into my banking account. No one could tell me why. I never receive a notice stating anything about my cash app before or after I reported I could use my card. I have called everyday since XX/XX/XXXX. Today is XX/XX/XXXX and I still have no idea as to why they are holding my funds. I ask for a number to file a complaint with the company no one is willing to give me the number. They stated that they had to file the complaint for me. I ask to speak to a supervisor and they state a supervisor is not available or they just hang up on me. I am out of option and dont know where to turn to get help with this issue. If there was an issue with my cash app they continued to allow me to receive funds in my account. They allowed my account to get up to XXXX. Just yesterday XX/XX/XXXX they denied a deposit of XXXX from XXXX XXXX XXXX stating it being fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing for the removal of the fraudulent items that are still reporting on my Credit file despite the multiple letters and cfpb comlaints I have been submitting to the Credit Bureaus. It also has been brought to my attention that the Credit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint to help establish a legal recourse. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If the Credit Reporting Agencies claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by a moving company to send a deposit for a long distance move in XX/XX/2023. I sent monies to another BOA account. Only to discover on the day of the move ( XXXX XXXX ) no movers. XXXX XXXX XXXX XXXX XXXX has not answered the phone since. This is not a real business. I put on a fraud claim to BOA for the scam and today they told me it was denied because they couldnt recover the funds. Because we both are with BOA it seems as if the bank doesnt want to take the loss. But I should not be punished because the scammer also has BOA. When someone is scammed, they are suppose to give them the money back/make the other account negative if need be. I received NO SERVICES WHATSOEVER

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 monetary relief
Consumer complaint received 2023-04-30
Company: ADP Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 an unauthorized charge of XXXX was made by a company listed as XXXX  XXXX they say it was an ach payment. I don't know who this is and no one has access to my account. I contacted the dispute office of the card and they told me it would take anywhere from XXXX to XXXX weeks to investigate. I received a letter from them stating that they would not be issuing a credit back to my account. If I wanted to discuss this further they said that I could write them at a XXXX XXXX XXXX I have unsuccessfully tried to find XXXX  XXXX  contact information to hear what they say was purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
In XXXX my credit report showed a bankruptcy that was dismissed... I disputed it because there was never any bankruptcy and the case was dismissed... I disputed the validity of the report with all bureau. it shows up now as bankruptcy filed in XXXX and XXXX on my report. It should be off my report! The incorrect reporting and failure to complete their work in a timely manner is costing me the ability to buy a home there never was a bsnkruptcy... if there was is would be off my report as been over 10 years. It needs to be corrected and I should be compensated for their failure and the damage it has done to my life

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