BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is not removing accounts items that was open in XXXX & XXXX due to fraud. Some account was open over 7 years ago. Experian is stating from the last payment activity on my that's when the accounts will be removed. That is not Federal Law. Federal Law says account should be removed from the 7 years of account opening. And these accounts listed in the FTC report that was submitted to all 3 of the Credit Reporting Agencies..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously had an account with XXXX for my cell phone services. I cancelled my service back in XX/XX/XXXX and paid my last invoice on XX/XX/XXXX for {$240.00}. I called several times to confirm my account was cancelled with their customer service department. However in bad faith XXXX has sent me to collection with a company called Source Receivables Management. I do not know this company or agreed to do any business with them however they are demanding I pay {$460.00}. I formally asked Source Receivables Management on XX/XX/XXXX to provide proof of the required documentation to validate the debt : Proof that you are licensed or legally authorized to collect on debt in my state. 
Proof of your bonding agent in the event where I must seek counsel. 
Proof of your authority in the collection process. 
Proof that the original creditor authorized you to collect on the debt on their behalf. 
The original creditors name. 
Details on when the account first went into delinquent status since that is the date required as OPEN DATE on the collection account. 
However they refuse to provide the proper documents and display the use of delay tactics. I believe this company is acting in bad faith and violating my right under the FDCPA and the FCRA. I would like someone to investigate this matter because they are reporting this collection on my credit report and causing me intentional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
We had a XXXX dollar service charge held out by bank of America causing our account to be put in overdraft with another {$35.00} overdraft charge being added after out automatic payment was taken out of our account and we have direct deposit in our frauded account and have contacted social security about switching accounts it's not our fault they take so long to seitch accounts and they never mentioned any service charges before just call and get the funds transferred from the frauded account to the new account never even mentioned we have to have social security change accounts. This is so wrong big time and never mentioned this at all.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm a victim of identity theft due to Transunion failing to add security freeze to my account although I requested it multiple times, pursuant to section 605B, you must remove fraudulent accounts and inquiries reporting to my account. I'm suffering punitive damages.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MN
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:
My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX MN XXXX. 

I have contacted the companies to get this corrected and they refused to update my information to the correct information the other information I do not know where it came from as it isn't familiar to me. This information below is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN 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 2023-06-28
Company: Advantage Credit, Inc.
State: AZ
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 is an unauthorized hard inquiry on my credit XXXX credit report. The inquiry was requested on XX/XX/XXXX  from XXXX XXXX XXXX via Advantage Credit Inc. I have been unable to get this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX WY XXXX, XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency " Midland Credit Management '' started threatening me about a XXXX XXXX XXXX bill. I've never had a XXXX  XXXX card, the card address was in North Carolina, I've NEVER lived outside of KS. The dept was not on my credit report, but the false North Carolina address was, which has been removed. 

Balance : XXXX The first I was contacted about this debt was by phone, late summer of 2020. On each of multiple calls, it was explained, never lived in NC, never had XXXX XXXX card. First contact in writing was XX/XX/2020. They mentioned another person on the account with a name other than my husbands, with a SS # different than my husbands. This info was also reported to them as not correct. 

Credit reports checked and found no mention of this debt. Reported the possible ID theft. 

About the same time, a fraudulent unemployment claim was made against me. I and my employeer reported it to the state of KS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I understand XXXX is being recognized as a national holiday and all major financial institutions are closed on today XX/XX/2023 but thus doesn't explain why I'm unable to make any purchases or withdrawals from my XXXX XXXX account which I have more than enough to withdraw without overdrafting. My card has been working just fine until today XX/XX/2023. I'm concerned in regards to any prejudice or financial criminals making my financial life difficult. I visited XXXX different arms the air MESSAGES were for me to contact my financial institution, due to XXXX I'm unable to contact anyone. I have absolutely no way to get gas nor any other emergency purchases if needed. I'M stuck unable to purchase or withdraw during a national holiday due to no fault of my own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: CO
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:
Disputed a collection account being reported on my Experian and XXXX credit reports from XXXX XXXX, XXXX of Wyoming. Sent dispute letters via U.S. Mail on XXXX, XX/XX/2019 and XX/XX/2019. Experian and XXXX claimed that this debt was verified all four times, but was offered no proof that this debt was indeed mine. Since no proof was offered that this debt was mine, I demanded that this account be removed from my report. As of the writing of this complaint the account has not been removed. I also contacted the collection agency and they also have been unable to prove that the debt is mine nor have they removed the account from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Multiple Charges For Services Such As XXXX Would Be Charged To My Account They Would Refund The Money And Take It Back. Services Was free Long As I Had Direct Deposit And I Still Would Access A Bank Fee So I Closed The 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 2023-06-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge back in XX/XX/XXXX. Ive been back and forth with AmEx for 6 months now! Finally on XX/XX/XXXXXXXX  they agreed to refund my money. See final letter attached. Here it is almost two months later and AmEx has never sent the money. Each time I call them I get a person that barely speaks English and they promise the refund will be on my next statement. I would expect such horrible service from XXXX  XXXX but never Amex. This is simply a disgrace!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I filed a complaint with BBB on XX/XX/23 and XX/XX/23 as well as reaching out to square multiple times to keep being told somebody is going to reach out to me and for it to never be done! This is the second time in two month they have decided to review my account once i have received bigger orders and transactions! The first time money was transferred to an account that was removed a while ago and i was told its nothing that can be done that was {$5000.00} lost now they have deactivated my account, all of my money is on hold {$6100.00} and they are saying i cant get my funds until XXXX and this is my money to pay my bills, feed my daughter and my family, order inventory to process orders that Im now behind on as well! I keep being told because my account was deactivated ( which they cant even tell me why they deactivated my account ) that nobody will talk to me no supervisor will reach out because the result is final which is bs. My business is registered with the state of NC i have a llc nothing is illegal about my business at all. I feel as if they are stealing my money now and if nothing is done i will sue square and bash them on every social media platform! I just want all of my funds released ASAP i can make myself another website but i will NEVER use square or recommend square to anybody and i have been with them for going ok 4 years! This is crazy that they feel they can even do this. I have been lied to and hung up on by rude customer service. Ive been told its another department thats going to reach out to me in regards to releasing my funds sooner nobody has done so. They responded to my first complaint on here stating someone will reach out to me and havent done so either. Im fed up and just want my money or again i will sue them for everything they have!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Paypal Holdings, Inc
State: WA
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:
Please reference Complaint XXXX and the attached response for that complaint for the original occurrence of this Venmo outage. I'm filing this new complaint with CFPB to share : ( XXXX ) the issue is still ongoing and ; ( XXXX ) Venmo has been caught lying to the CFPB in its prior correspondence. 

Specifically, I was again locked out of my Venmo account on or around XX/XX/XXXX. I called Venmo support and the agent explained it's a known " glitch '' on their end, there's nothing the customer can do, when a customer has the " glitch '' it tends to come back, and customers just need to call back when it happens for them to apply the fix again. The agent put me on hold and after a little back and forth I was able to log into my account again. 

Note in the prior CFPB complaint, Venmo represented to CFPB that there was no outage and that the account lockout experienced was a security measure, not an error. Venmo also represented that it was acting in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from a debt collection service  representing XXXX and the rep explained that I owed XXXX dollars I explained to him that I had questions about this debt and asked if I could verify the debt or receive verification it was me he tried to verbally verify the debt which was not fair. I have recently filed a complaint against XXXX and since they could not verify the debt they have sold the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX XXXX. XXXX, XXXX & Equifax. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 U.S Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S Code 1681c ( a ) ( 5 ) : 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 antecedent the report by more than seven years.

15 U.S Code 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 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 2022-11-24
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation