BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me.Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solutions LLC claims I owe a debt from the year 2013 and this is not correct. The debt is not mine. I have no idea what this debt from ten years ago is -- please support.

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 2023-07-01
Company: Upgrade, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ACCOUNT NUMBER -- - XXXX ( XX/XX/XXXX- XXXX XXXX ) AND # XXXX ( XX/XX/XXXX- XXXX XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have XXXX  days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC XXXX Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I attempted using my debit card to buy coffee at XXXX XXXXXXXX XXXX when my card declined. I went to attempt to login to my account to see what was up and immediately got an error logging in advising me to contact the fraud department as my account may have been compromised. I contacted the fraud department and was told my account would be closed and I would not be given a reason as to why it was closed. I was upset and attempted to plead with customer service to keep my account as I am a XXXX and the transactions on my account were valid and there had been no suspicious activity. The account in fact had a daily average of XXXX in there at all times. I was confused and went to multiple branches provided all my identity documents and employment information along with the checks deposited just to make sure that from my end everything was normal but the bank refused to change their stance of keeping my account open and had informed me I can not ever open a Chase account. I informed them that such a drastic response at least warranted a reason for this happening and I was declined that. I did not want to accept this fate but I had no choice so I had asked them to give me my funds. I was instructed that I can not withdraw the funds as the account is under review for closure. This is after they instructed me it is closed. I was told I can not take my money and go elsewhere until that review is completed which can take until XX/XX/XXXX. I am a XXXX  who has to pay rent and find it not only unacceptable that I can not withdraw my funds after my account was closed and I can not be provided a valid reason as to why this is happening to me. I understand the security measures the bank has to take to ensure legit transactions but when a customer comes in to provide all the information needed & they still get the same disgusting resolution it is upsetting. I am not the only one confused at this as so have many branch bank employees that I have spoken with who attempted to help me as well but Chase has not only closed my account but held me hostage to receive my funds with rent being due at the end of the month. I am incredibly frustrated and have attempted to cold contact as many bank executives with Chase but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: VA
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:
I retrieved a copy of my credit report from XXXX and Equifax Credit Bureaus, and I noticed a credit inquiry that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act US BANKRUPTCY COURT XXXX XXXX XXXX Account/Reference # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: BAM Management US Holdings Inc.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Binance a partner of BAM trading services inc offers a product called " XXXXXXXX XXXX XXXX XXXX XXXX XXXX transactions. Without notice or authorization XXXX of usdt was removed from my account. I approached BAM on XXXX occasions and all three tickets were promptly closed offering no response or resolution. 

Because BAM ignored and closed my support tickets, I went to their Binance partner / investor for resolution. They simply responded saying XXXX is a separate company even though Binance has financed them. 

A crime has been committed, i have lost XXXX dollars and I expect to be reimbursed in full. Trust wallet has been negligent, and it caused this lose due to lax application security. 
These tickets and reports will continue to be logged until i am satisfactorily reimbursed for my losses. 

If i am not reimbursed, XXXX will procedure with small claims legal actions against both Binance and Bam trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
This constitutes a breach of 15 US Code 1681s-2, which outlines the obligations of entities supplying information to consumer reporting agencies. They have neglected to furnish me with written notice regarding the account before its inclusion in a report. Consequently, I insist that the account be expunged from my credit report due to my disagreement with the alleged debt.

Furthermore, they have transgressed my rights as delineated in 15 U.S. Code 1681b ( 2 ), which details permissible purposes for consumer reports. By reporting the account without my consent and misusing my social security information, they have run afoul of this code. Hence, as a victim of identity theft, the imperative of 15 US Code 1681c-2 is to block such data unless I provide explicit written authorization.

Per 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my right to privacy. Regrettably, your organization has breached this consumer privacy right by publicly divulging this information without my authorization.

I urgently request the immediate removal of this account from my 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 following has violated my rights. 
XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 with out 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 2022-12-30
Company: EQUIFAX, INC.
State: IL
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 have sent letters to the three credit bureaus XXXX, Equifax and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. Equifax is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Delivery Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX and XXXX Credit Bureaus and found that this DLVRY FN SVC ( XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$240.00} DLVRY FN SVC ( XXXX XXXX ) XXXX Balance {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I sent Penn Credit Corperation a certified letter requesting debt validation on an alleged debt they added to my credit reports without informing me first to allow me the opportunity to dispute the validity of the alleged debt.They ignored my request and continue to report this alleged debt to the credit reporting agencies. I am demanding that they delete this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Removal of collection account - XXXX I am sending this letter in reference to a collection account listed on my consumer credit report. The referenced above account is not my account- I have no knowledge of this account. Furthermore, this account is a result of identity theft. Please review your files and deleted immediately. 

As per my consumer credit report the Date THIS COLLECTION WAS Opened- is LISTED AS XX/XX/2023. 
As per my consumer credit report the Original Creditor appears to be ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account number : XXXX I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act - I am disputing this fraudulent collection account. I am NOT requesting verication or validation but I am requesting for deletion as this account is a result of identity theft. 

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my consumer credit reports. Also, all future attempts to collect this debt must stop. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: ENOVA INTERNATIONAL, INC.
State: NJ
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:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. 
The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money to an individual on XXXX for some purses in the amount of {$110.00} on XX/XX/XXXX. After I sent the money she begged me for {$10.00} today on XX/XX/XXXX. I said no and she blocked me on XXXX but not before I asked for my money back. I contacted Cash App and explained what happened and they refuse to do anything to help me. 

I told CashApp she was a scam artist and sent multiple screen shots of our messages on XXXX. This is the first time it happened and Cash App should not be in business if they can not or will not help customers after they have been scammed. They are very conscending and obviously I am not the only one that this happened to. CashApp had the audacity to tell me to stop sending screenshots of similar complaints and I would not because it proves that they should not be in business. In fact they encouraged me to contact you. It is as if they know nothing will happen to them for their unethical business practices. In fact, they need to be charged with " theft by deception '' because they are assisting scammers in keeping a customer 's money once they have been scammed. They stand behind being an app but even that has limitations. I have already filed a complaint with the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 called Equifax after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts 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 which are UNKNOWN to me . This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking these accounts are inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a XXXX XXXX I do not recall any loans from this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I receive a pre approval credit card offer for {$12000.00} from penfed. I applied and was declined due to many accounts open in a short period of time. Which is fairly false and requested to have my application reviewed and reconsidered. They lady I spoke to advised I had to send a hand written letter which makes zero sense. Please review my application and reconsider my application. XXXX ID : 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