BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NJ
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-08
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 XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's TransUnion, XXXX, XXXX, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX IS BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, ( FIRST, LAST ), did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX : ACCOUNT # XXXX Please do not respond with identification verification, this is indeed 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 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 Bank of America started closing all of my personal and business accounts without warning or notice. I own the only Medicare Certified home health agency that services three rural counties in XXXX California. I pleaded with Bank of America to give me 30 days so that I could transition my payroll and other important business transactions to a new bank. But Bank of America would not respond and proceeded to close my business accounts, causing my agencies Medicare deposits to be returned to Medicare. 
This has nearly caused the closure of my agency.

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 2021-06-25
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recovery Solutions sent me a letter in XXXX of XXXX I sent a letter requesting the debt be verified the only thing I received was a summary of move out charges Which doesn't constitute verification under the FDCPA in XXXX of XXXX I sent another letter requesting the debt be verified at which time they sent the same move out summary again the doesn't verify that the debt belongs to me on XX/XX/XXXX I sent another letter requesting verification i again received the same move out summary then I filed a complaint with the CFPB on XX/XX/XXXX the company responded and said that it would no longer report said debt until I was furnished copies of the required documents Again I mailed them a letter requesting that they stop reporting said debt it was signed for by XXXX XXXX on XX/XX/XXXX I still haven't received anything that was requested under the FDCPA but there still reporting it which is a violation of FDCPA section 809 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: American Credit Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I contacted the company on XX/XX/XXXX to start the voluntary repossession process. I called on XX/XX/XXXX as no on one had contacted me as I was instructed.I was advised everything was approved and the vehicle was assigned to a towing company and to call back on XX/XX/XXXX or XX/XX/XXXX and I would be provided the name of the company. I called today ( XX/XX/XXXX ) only to be told that someone internally from American Credit Acceptance went in and deleted my request without me asking them to and it had to be resubmitted and all I can do is wait. I am moving in 3 weeks and I have given them ample notice to come and get the vehicle and they refuse to come get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Cash App has stolen fund from me and presumably many more victims. 

On or about XX/XX/2021, I attempted to add my Cash App account to my new device but was denied access. Cash App has since then withheld all my funds, without justification or the legal right. They repeatedly had me try the same processes, that have not worked. I have requested supervisors and have been denied, telling me one is not available. I have requested a physical or virtual office to submit my Identification, to be told one does not exist. I have requested any method to identify myself, to gain access to my funds and have continued to be denied. This negligence by Cash App is causing me additional financial and emotional hardship. 

I have received more than a dozen emails and made over a dozen phone calls since XX/XX/2021 and have been given nothing more than a run around, not one method or representative has gained me access to my funds. I desperately need to provide for my family and Cash Apps refusal to grant me access to my funds, further hinders that.

I have requested Cash App release and give me access to my funds, immediately. 

I am an unemployed, single mother that is struggling through a lot of financial hardships. I was loaned money to help pay for my utilities and give my grandson a birthday in the amount of {$220.00}. Cash Apps criminal behavior has further exacerbated my financial distress and has caused emotional distress as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXXXXXX, XXXX XXXX   XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX  XXXX   XXXXXXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 10 XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX XXXX/XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX/XXXX XXXXXXXX , 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 explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my XXXX CFPB complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit reporting agencies are require to remove any item 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. The following items need to be removed as they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the items are verified by the Data Furnishers themselves. However, as my request indicated in my previous CFPB, the Credit Bureaus should send me copies of proof of verification or proof of ownership bearing my signature, in which they have failed. The Credit Bureaus have continued reporting the disputed items claiming to be verified. This action of the Credit Reporting agencies is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to remove the disputed items from my Credit File 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 non-monetary relief
Consumer complaint received 2018-11-06
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18, XXXX XXXX XXXX placed a debt on my credit report for XXXX for {$110.00}. This is not my debt. I have asked for identifying proof of my identification used to open this account and neither company has been able to provide that info. Therefore unable to prove its my account. I have never used XXXX because I have never owned a car because I can not drive.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: MS
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2023-05-09
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:
My name is XXXX 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 2022-05-20
Company: Colony Brands, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, I received a credit alert via XXXX XXXX that there was a hard inquiry placed on my XXXX credit report from Montgomery Ward on XX/XX/2022. I have no applied for credit with Montgomery Ward and had no knowledge that this company was still in business. I contacted Montgomery Ward on XX/XX/2022 at XXXX EST and spoke with XXXX representatives, both state that the only time they place a hard inquiry is when an order is placed and both checked my name, address and phone number and states there's no order placed under my name so therefore, there could be no hard inquiry. This simply does not make sense, I understand what their process is but as I stated to both representatives, I have no applied for credit nor placed and order and therefore, this is clearly fraud. I asked multiple times to have a search via my social security number which was not granted although I was told repeatedly that there is no order under my name. I was assume that there would not be if this is a fraud case because why ever in the world would someone committing fraud be so kind as to steal my identity and also send me the order? I would like this issue investigated and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
We paid of our credit card and I paid to much. I contacted to credit card company and requested a refund. The amount is over {$900.00}. For more than 2 months they have said its in the mail. We never received it. We keep calling they keep saying the same thing. We requested the mail it with a tracking number they refuse.we have asked to talk to higher ups, we give our phone numbers they repeat it then when they do n't call we call them and they say we have not working numbers. They have no record of our working numbers. They have offered no solutions and veto all of our solutions.

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 2023-08-30
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: 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 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone at a cellular mobile store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information

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 2022-02-07
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
NMRC has used illegal and immoral practices to attempt to collect questionable debt from me. NMRC has called me multiple times, initially threatening legal action and misrepresenting themselves as a law firm handling my debt, also stating false lawsuits filed. There is no physical signature or agreement with the collection company. XXXX XXXX sold this over to them, agreement was not with said company, with no knowledge of the amounts given by this unknown company. Company has harassed family members, myself, and job. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to NMRC. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Yesterday ( XX/XX/19 ) I filed for a {$170.00} Equifax settlement. I now hear on the news that it was a fraud. I supplied them with all my personal information,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt with XXXX XXXX Hospital lab in the amt of {$150.00} was resolved in XX/XX/2018. XXXX was notified by XXXX XXXX Hospital at that time. I've received at least two more collection letters from XXXX, the latest on XX/XX/2018. XXXX XXXX Hospital has contacted XXXX twice and told them to remove this account from their books ( it wasn't removed when requested in XXXX ). The XXXX XXXX rep was told it would be removed that day. Yesterday I received another collection letter from XXXX to collect this same debt. They continue to harass me to collect this money even though XXXXXXXX XXXX   Hospital has notified them twice that it is no longer owed.

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 2023-08-30
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation