BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-12-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Even though Ive been a customer of Barclays Card US since XXXX, in XXXX my card is suddenly blocked. According to the company, I failed to provide sufficient proof of my identity. I had submitted a previous complaint regarding this matter and received a response from XXXX from the XXXX XXXX XXXX XXXX. While the documents I submitted was sufficient to update my name on my account from XXXX XXXX to XXXX XXXX XXXX and issue me a new card in mid XXXX and charge me the annual fee of {$89.00}, my card is still blocked because I have not provided sufficient proof of my identity and as a result, my Barclays XXXX XXXX  card remains blocked. 

To comply with the response received on my earlier complaint, I faxed the required documents to reactivate my XXXX XXXX card to XXXX and received a Confirmation that the fax went through. I then called and left a message for XXXX, the individual who responded to my complain on behalf of the XXXX XXXX XXXX XXXX for Barclay Card XXXX XXXX XXXX XXXX. I left a message that I faxed successfully and asked him to review the matter and get back to me. As of XXXX, I have not received a response and my card remains blocked. In my fax to XXXX with the required documents I sent XXXX a letter and to date I have not received a response or a call re the matter and my card remains locked.

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 2023-03-09
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
AMERICAN EXPRESS ( AMEX ) has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. AMERICAN EXPRESS ( AMEX ) is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( 2021 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted.

Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three safe harbors under which reporting may not be required for the current year. See Safe harbor rules next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: DIGITAL FEDERAL CREDIT UNION
State: GA
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 was a victim of ID Theft, I was starting to get collections letters in the mail and phone calls, so I pulled my credit I saw several things on my credit report. These accounts are not mine. I have contacted the companies and they refused to help me. I would to have the following accounts removed from my credit report : Digital Federal Credit Union 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Block, Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please know on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed letters stating Please be aware of account number -- -- -- -- -- -- -- -- -- -/ routing number -- -- -- -- -- --. The account made unauthorized IRS Economic Impact Payments deposits of {$1200.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; and {$1400.00} on XX/XX/XXXX. XXXX. The owner of the account did not have authorization or approval for the deposits. 
The IRS informed me that deposits were made at XXXX XXXX. Please be informed I have contact with XXXX XXXX XXXX XXXX express their bank as a pass-through intermediary. XXXXXXXX XXXX stated the bank has no access and very limited involvement with such transactions but mentioned Square, a separate company not affiliated with XXXX XXXX XXXX XXXX  stated that Cash App accounts are offered by Square. Please know of attempt to also contact Cash App with no success. I am making Square aware of the unauthorized deposit and requesting a refund of all deposits. 
Please know 2 months later no response has been made by Square/Cash App. Please reply regarding my stimulus checks issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-10
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

1. Santander Comsumer U 2. XXXX 3. XXXX XXXX XXXX  XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: LendingPoint Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was Lendingpoint flaged my credit due to late payments. On file with XXXX XXXX XXXX  that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both Lendingpoint and XXXX XXXX XXXX several time file a dispute with experian anf XXXX XXXX and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: ME
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2022-10-29
Company: Bread Financial Holdings, Inc.
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:
Hello, I have made a payment to Comenity Bank on XX/XX/2022. The card is under BJS logo. 
I have send them payment proof. Untill now the bank is refusing to acknowledge the payment. 
I have provided all the documents related to the electronic transfer from my XXXX XXXX account. Comenity bank still refuses to acknowledge the payment. 
I tried to call customers service and none of them was helpful as they did not have any authority to transfer me to a manager. When I finally talked to a manger after many phone calls and emails I was told there is nothing that can be done. I was advised to wait as the Comenity bank has computer issues since XX/XX/XXXX and can't locate payments of many customers.. 

I have been waiting since XX/XX/XXXX, we are at the end of XXXX. That is 4 months already. I need my money as I have a credit with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CareCredit ( through XXXX ) provided a promotional 0 % interest offer for certain healthcare-related expenses. The 0 % interest applies if the promotional balance is paid off within a specified timeframe. I paid well over the minimum payment every month ( always well before the due date ) but they distributed the payments between the 3 different promotional balances. Even though I made payments large enough to pay off the promotional balances in the order in which they were charged, they are not getting paid off and they are starting to charge interest. Even now, I have a {$30.00} balance on a promotion that ends XX/XX/2023, but if I send in a {$30.00} payment, they will apply a small portion to the {$30.00} and the rest to the larger balance and then charge interest on the expiring promotion - PLUS charge deferred interest. I feel this is tricking the consumer and it's not made apparent. Please investigate this further.

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 2023-06-10
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXXXXXX, 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent these people at Mr cooper a copy of the bank statement that I paid the mortgage in XX/XX/2023. They sent it back I re-sent the payment. I sent a copy of the bank statement from XXXX  XXXX XXXX and XXXX  XXXX XXXX sent them a copy of the statement they still do not recognize that I sent the payment in even with notification from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXXXXXX XXXX XXXX authorized Suttell & Hammer XXXX with their intent to sue me over alleged credit card debt in the amount of {$5700.00}. This letter, dated XXXX from this law firm, took me completely off-guard, and has lead to extreme XXXXXXXX XXXX XXXXXXXX since receiving. This debt has been on my credit report and reported as charged off by XXXX. If one was to look at my credit report, you would see that I have " Excellent '' credit, aside from this one erroneous blemish that XXXX and XXXX are determined to falsely report. This has affected me emotionally and psychologically, and has led to XXXX XXXX XXXX XXXX XXXX XXXX. Coupled with my entire industry being shut down for months due to strikes, with no earning potential or job prospects, and a potential law suit being hung over my head out of the blue, it has been an extremely difficult time for me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/22 to XXXX and TransUnion to remove the erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief