BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The remaining balance on my student loans ( roughly XXXX in XXXX ) was discharged in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year  reviews. 

That and other documents were submitted to XXXX/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a zero balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.

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 2022-10-13
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Madam, On XXXX XX/XX/2022 I made a money transfer to the company Wise, which operates with XXXX XXXX , in the USA, to be sent to a foreign bank at the value of US {$45000.00}. 
This money was expected to be deposited into my own bank account at home. I have used Wise for over several years and never had any problem until this incident. I was contacted by email asking for an explanation on the money what I did and given the lack of contact from Wise for over two days, I requested the money be refunded. Wise, informed me that started the refund on XXXX XXXX and needed 2-5 working days to deposit it back into my account. This never happened. I contacted my bank XXXX XXXX, which informed me that the money was never paid back, they asked for a tracking number/ swift number from Wise, which refused to provide it. Since then, I have been calling and writing to Wise customer service every day ( I have the documentation ). After asking for my banking statement and ensuring that I did not receive the money, they informed me that a " second transfer was made '' on XXXX XXXX and I should again wait for 2-5 working days. 
Every day, I contact them, I receive the same explanation : " We do not know why the refund hasn't reached you. We are escalating it with the team and will get back to you when we hear something back. We are sorry for the inconvenience. '' I explained to them that this goes beyond inconvenience and the I needed the money back immediately into my account, to no avail. 
I am afraid of reports which indicate that they have done it to others. 
I really ask for your assistance with this serious and urgent matter and your kind advice. 
Thank you. 
Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: FREEDOM FINANCIAL NETWORK
State: MD
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:
Freedom Debt Relief was helping us with our bills we were paying them {$1000.00} a month to to consolidate our bills. We thought they were paying our bills but they were just paying them one at a time but the rest of the were not paid. Then the rest of the bills got late on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : https : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.

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 2021-08-12
Company: The Bureaus, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: LA
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 have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. 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 has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a cash app account under $ XXXX  - I paid for products that I never received and I believe I was scammed. I contacted the company and they did nothing. I want my money refunded for the following : XXXX XXXX XXXX XX/XX/2020 {$1000.00} XXXX XXXX XXXX XX/XX/2020 {$1500.00} XXXX XXXX XXXX XX/XX/2020 {$50.00} XXXX XXXX XXXX XX/XX/2020 {$800.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XX/XX/2020 {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Southwest Credit Systems, L.P.
State: PA
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:
This is the third time they allowed this fraudulent account to appear on my credit report after I disputed before and it was deleted. XXXX XXXX, states I owe {$340.00} dollars for an account I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I HAVE DISPUTED SOFT INCREASE THAT I DID NOT RECOGNIZE OR HAVE NO KNOWLEDGE OF I HAVE PUT A FRAUD ALERT ON THERE STATEMENT TO CALL ME TO VERIFY IDENTITY THEY CONTINUE TO DENY MY DISPUTES THEY ASKED FOR INFORMATION ON ALL CREDIT COMPANIES THAT APPLY I SENT THEM ALL THE INFORMATION WITH A STEADY DENYING THESE INCREASE OF 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 explanation
Consumer complaint received 2021-02-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX, 2021 - I went to the Pep Boys at XXXX XXXX XXXX, XXXX, CA XXXX for some brake work. I thought I had {$500.00} in open credit on my Pep Boys card. I had checked online a week earlier and the credit line was active. The bill was {$400.00}. When it came time to pay I presented my Pep Boys CC and it was declined. I called the customer service number and they said it was cancelled since I had not used it. They said I could re apply. I then paid with my debit card. 

XX/XX/2021 - I needed more work done so I applied again and was approved for a XXXX / Pep Boys card with a {$2000.00} limit. See attached. 

XX/XX/ 2021 - I went to the same Pep Boys location for an alignment and suspension work. The bill came to {$420.00}. I had not received my card in the mail yet but had my account number. I had received an approval email and could log into my XXXX / Pep Boys mobile app showing my XXXX / Pep Boys account. 

The XXXX card was not accepted. I had not received the card in the mail so I did not have the expiration date nor 3 digit code on the back. We called Fortive customer service overseas. They said I needed a pre authorization code. She could not give it to me nor did the cashier know what that was. After going back and forth with XXXX customer service I gave up and paid with my debit card. 

So - fortunately I had money in my account to pay. What would have happened if I didn't? I'm sure they would have kept my car until it was paid.

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 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
I currently have some hard inquiries on my credit report that should not be there Ive never applied for any of these bank 's. 



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 explanation
Consumer complaint received 2023-11-28
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
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 have tried to get this company to drop this account for around 3 years now. I am a victim of identity theft. I finally got my identity theft victim letter from the IRS which I will be attaching. Along with my FTC identity theft report which I will also be attaching to this message. These are not my accounts and I'm requesting that you delete them and all that associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
In purchasing the car from GM Financial, I was clear about not wanting a lease with a balloon payment, quality of the car ( no unreported accidents and/or issues ), an affordable monthly amount, and hidden fees. I purchased the car for approx. {$20000.00} in XXXX. In paying over the years, I continuously questioned why the term amount was not changing yet I was paying almost $ XXXX for a XXXX car only worth {$20000.00}. I also found out after purchase that there were issues with the car including active recalls. The car has been steadily declining and the cost continues to be exorbitant. I've tried to refinance with the finance company multiple times. After two years and multiple agents, I finally started to make headway with completing the refinance promised. Just prior to signing, I realized that I again received misleading details regarding how the refinance would extend the loan not create better terms. During that period, they repossessed the car twice almost doubling the amount due at the time. I was told in XXXX upon last repo, that the payoff amount was approx. {$10000.00}. In the agreement to retrieve the car, I questioned how long before the car would be paid off now having entered the 5th year and still owing half the original amount. I was told that now that all the finance charges were paid, my payments would go towards the principle. However, now in XXXX, I am still paying the same amount monthly and my principle is STILL {$10000.00}!! I have begged the company to explain and assist, their only response is to threaten to repossess the car AGAIN. Even while the payments were within the month due. 

I feel I was misled and lied to. Consumers should not have to be victim to such treatment simply because our credit score is low. It is unfair and shameful that companies can get away with this. I have no idea how this car will ever be paid off. I feel like I keep paying and my principle is constantly staying the same. After 6 years, I still own half of the original purchase amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Early Warning Services, LLC
State: NC
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 am including early warnings own letter to prove my point that they break the law 605B of the fair credit reporting act subsection C. 
Their claim in their own letter is XXXX says that their records are correct. The police proved XXXX is wrong. Police rulings are the end all rulings. No more is done on that particular issue when they close a case. 
Early warning says that they blocked that information over a 1/2 a dozen times. Here is where they break the law. Subsection C of the FCRA 605B, it clearly States there's only 3 reasons they can reinsert or decline the block of that information that they have already blocked. 1 is error. 2 is materially false information. XXXX is they can prove that I got goods or services or money from the blocked transaction. 
There are none of those 3 in existence because it's simply against a police ruling to say that there was. I want early warning to address this issue based on their own letter in response to my previous complaint. They will never deal with this issue because they are lying and they are breaking the law in cahoots with XXXX. XXXX a has refused to talk to me even after 5 more attempts since the previous complaint where I left messages for the people that were supposed to get back to me in XXXX of 2021. That bank won't deal with the facts from the police either. But this is about early warning they lie to you they say that my complaints are frivolous but how can a complaint that is 100 % correct be frivolous when they are the ones breaking the law and keeping fraudulent information on my file against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.

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