BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit report I noticed a few things that should not be on my report. More specifically an XXXX XXXX XXXX XXXX account, in which I was notified by the company itself that they would remove it due to the fact that someone put me on as an authorized user inwhich I was totally unaware of. And according to the FCRA rule of law, this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions 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 have paid off the account with XXXX XXXX on XX/XX/XXXX. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP

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 2023-07-20
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Sunday XX/XX/2023 I was at home on my phone and I got a notification that I send mine to a person I never sent mon to from cash app. I did not loose my phone I have my phone with me and no on has access to my phone. I dispute my charges. Cash app came back with 24 hours and said they investigated and I mad those transactions. This is beyond sad and pathetic I am sure cash app has insurance in their customer when FRAUD happen. They have been on TV about some has hack cash app. They didnt even check my history to see if I had sent money to these people before. They went by they on and never contact be to asked any questions. This has to stop this is not how you treat customers. They dont got help when you call its they same answer over and o er and they will hang up on you while talking. This has to be reported!!!!!! they need to be investigated on!!! That is why I dont used cash app they do not secure their customer!!!!!!! All they do is take money from people, and do not help at all!!!!! I want back the money j had left on my cash app. The above I did not do. 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 They keep denying the claim stating that I didnt tear transaction, and send the same email over and over and over again. They do not send no reason. They need to be investigated on. This should not be allowed to consumer. They need to be close down!!!! They say the same thing over and over and over. This is not right. This is a serious matter and should not be allowed to happen to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXXXXXX

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 2023-01-28
Company: Experian Information Solutions Inc.
State: AR
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 value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD, yet I have Accounts and information passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, # XXXX, and # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I need you to remove the remaining items off of my Credit File : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} 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 XXXXXX/XX/XXXX. Please comply with Federal law and have the disputed items removed as soon as possible.

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 2021-06-05
Company: CITIBANK, N.A.
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:
My mother 's Home Depot/Citibank North America card information has be added to my XXXX, XXXX  and XXXX  credit reports and being used as a factor to compute my credit score. I'm only listed as an authorize user. I'm requesting that this be taken 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 2019-02-27
Company: EQUIFAX, INC.
State: AZ
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 took out 6 student loans during my time as a student of the University of XXXX. Upon Graduation, I requested that XXXX would put my loans in deferment until I was able to get a job and start repaying my loans, which they agreed to do. On my credit report, it is showing that all 6 loans from XXXX has a 90-day late payment as of XX/XX/XXXX. I called XXXX today ( XX/XX/XXXX ) and spoke with XXXX about this issue. XXXX agreed with me that the marks should have never been placed on my account and caused my credit and payment history to suffer, but that she was not able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: PA
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:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was originated by XXXXXXXX XXXX I was approved for, and entered into an agreement of forbearance with the option move the period for that forbearance to the end of my mortgage term. In the meantime Specialized Loan Services took over servicing my loan, and now they will not honor the agreement of the forbearance. I have copies of everything. All agreements, letters, correspondence, emails, etc..

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 2021-02-04
Company: SYNCHRONY FINANCIAL
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX Syncb/Amazon Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.

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 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One has failed to investigate the ov er 30 transactions I marked as fraud. They are simply refusing to do so and I have no option left but to use this agency as a means of posting my formal demand letter. I have sent Capital One many letters ( see screenshots ) and made dozens of calls totaling over 50 hours regarding this issue. They have continued to deny opening investigations into the charges I attempted to dispute. I no longer have the time to continue to pursue this with them. They have now received 3 certified mail items over the past month demanding they address these disputes. They have not responded to any of them. I have included one h ere. 

This is my record of demand since due to their lack of communication and of honoring their user agreements with me, I will be forced into litigation. 

They have no offered no third-party arbitration or settlement. The amount is over XXXX USD. The company has stopped responding and unless EVERY resolution offer is satisfied, I will open a lawsuit. This is my last attempt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern. 

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at XXXX, XXXX, and Equifax. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me.

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at XXXX XXXX and Equifax.

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from XXXX, XXXX and Equifax. 

3. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at XXXX that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by XXXX, XXXX and Equifax. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward XXXX, XXXX, and Equifax. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
In XX/XX/2021 I paid XXXX installment loan payments online via the companies mobile app. I made both payments and on XX/XX/2021 I went onto the pay to pay XXXX payment. I noticed that after getting charges for the banks paid premium checking account that I having issues with funds being moved into the checking and savings account causing late payments and multiple over draft fees. I attempted multiple times resolve with the branch and was able to recreate the issues multiple times for the online support and in a branch but the bank refuses to remove the error of the incorrect reporting. The bank via the app does not provide any confirmation numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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: Information belongs to someone else

Complaint:
inaccurate information ftc was XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
hello my name is XXXX XXXX. i am writing you to delete the following information in my file. These inquiries should not be furnished on my consumer report as they are a violation under 15 U.S.Code 1681b. I did not give permission nor written consent to any consumer reporting agency to report anything on my consumer report which violates my rights as a federal protected consumer. no consent is theft. The items I need deleted are listed below in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. Inquiry Name : XXXX XXXX XXXX Inquiry date : XXXX Inquiry Name : XXXX XXXX Inquiry date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I HAVE A CHECKING ACCOUNT WITH US BANK, XXXX, WA. BRANCH # XXXX. I am the only signatory to this account. Nevertheless the bank added my wife, XXXX XXXX, to the account without my permission or hers. And then the bank, without my permission or hers, starting sending the statements to a XXXX address, not my own. It took me months to figure out what happened. I then contacted the bank and spoke to several individuals who would not correct the problem. I eventually spoke to XXXX XXXX, District Manager. He admitted he had no signature card from my wife but refused to correct the problem. He said my only alternative was to close the account ( and I eventually withdrew all my funds. ) On XX/XX/2023 I filed a complaint with the OCC 's customer assistance group # XXXX. I never received any correspondence from this agency other than an initial acknowledgment. I called several times and was told they had received a letter from the bank but refused to give me a copy even though OCC 's form letter to me of XX/XX/XXXX told me I should carefully review the bank 's response and respond to OCC accordingly. I requested a copy of the letter from the bank, XXXX 's assistant XXXX XXXX said she would get back to me but never did and I have not received a copy of the letter from anyone. 

Adding a signatory to the account without my permission exposed me to liability for my wife 's creditor 's who could have garnished my account if they had a judgment and captured my separate funds. This is a profound beach of the bank 's fiduciary duty to your undersigned. The bank seems to take the position that it had a right to add the signatory to the account based on my telephone inquiry asking how could I do that if I wanted. I was told she must fill out a signature card and return it to the bank -- which we decided not to do. 

But even after we told the bank to correct the error it refused. This is an unfair or deceptive act or practice and the bank should be sanctioned.

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 2023-07-20
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation