BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to request a removal of the following information that appears on my XXXX  and XXXX  credit files. When I contacted your company last year in XX/XX/2019 I verified with your company that charge for XXXX XXXX in the amount of {$260.00}, I was not responsible for because I have canceled the insurance for the car and the car has been sold. Your company had verified this information and agreed to cease collection. Since that conversation I haven't received anything else from your organization. 
However, I have recently checked my credit and it shows a first delinquency date of XX/XX/2019 the car that was insured with XXXX was sold before that date, so this information is inaccurate. Also, the date assigned is not accurate because it is totally different from the date of first delinquency. According to FCRA guidelines inaccurate information listed on a persons credit report must be accurate. This information your company is placing on my credit report is not accurately and must be removed as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
The bureaus are reporting inaccurate information on my credit report. They are reporting recent lates on my credit file for XXXX and XXXX on student loans on Department of Education. I was never late. I have talked to department of education and fixed it with them. They should not be reporting this on my credit and this needs to be fixed.

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 2022-11-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
for almost 4 years now, I had a credit card with XXXX.When XXXX announced that they will be leaving the XXXX last year of XXXX I was not able to see my credit score on my Credit report. recently I called one of the bureaus XXXX, and they said XXXX has not been reporting for almost a year. also called the bank the acquired my Credit card account from XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and they told me after the first billing cycle I should be able to see my report. I am now on my 3rd Billing cycle and still do not have a score computed. This has affected me in my last 3 inquiries on my credit report, because I got decline 3 times because the institutions was not able to see my report and noted it as that i have no credit history. Also it stopped me from managing my credit because I can't see my score either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXXXXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXXXXXX my record needs to be clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} ; 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 2022-11-03
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have my own bussiness and was accepting card payments they square. The company closed my account and deactivated it. And held my money for 90 days. Funds were supposed to be released on the XXXX of XXXX but they have not been released yet. I have also tried contacting them and have not been successful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom this might concern, My PayPal account is now permanently limited and currently has more than {$1100.00} that I couldn't withdraw for 180 days. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title " You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX  I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX I emailed XXXX again with more explanation on my side, hoping that someone can reply. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. This time I received an automated reply, but no other than that. 

All of my attempts to contact PayPal regarding my PayPal account were met with unhelpful responses. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if they can resolve this issue. 
I will attach as many documents as possible ( my attempts to contact the company through emails ) I appreciate all the help and response I could get, thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX  XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2022-10-31
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. Im attaching the required FTC Report and my Police Report that I filed on my local Police Department for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA Law! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  AV XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX OF 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 2023-07-14
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX OF XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX Original creditor : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX  XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX, Received a text notification about a declined transaction assuming it was for my " debit card '' as i am not from area and its common to receive these notifications, upon further investigation about 1 minute after i called bank to inform them i was not using my " credit card '' anywhere and informed them i did not even have possession of the card. 

They have opened a claim immediately and informed me card would be closed and new card will be issued. I have to wait till transaction posted to receive credit back to my account while they conduct there investigation. 

XX/XX/2023, received notification card was still being used, a transaction was successfully charged on this date using the old card they claimed to have cancelled. 

XX/XX/XXXX XXXX & XXXX, Bank send me letter saying I'm responsible for charges due to merchant providing a receipt with signature. " Fraud Charges placed back on to my credit card incurring fees and interest '', i requested copy of that information and they have not provided me with it so i can provide proof my signature was not on any documentation. Informed them my passport and drivers license both have my real signature and i will provide it to prove my innocence regarding the claim. 

XX/XX/2023, @ XXXX i call and ask for supervisor and ask that this be elevated for further clarifications as something is not right and my claim isn't being handled properly. They inform me claim will be reopened. 

XXXX XXXX @ XXXX called in to verify everything is clear and again information is not being made clear, they informed me both claims were closed and that they will reopen them to reinvestigate. 

I also informed them that i was still getting notifications about transactions being declined at numerous gas stations aswell as XXXX even after the card was supposedly closed. 


There is alot of mis information being passed around causing me financial burden and false information being provided is hindering the proper resolution of my claim. Its near impossible for a claim to be resolved in under 72 hours, all whilst the fraud is still taking place even after they claim card was deactivated on XX/XX/XXXX the very same time as original fraud transaction Claim # XXXX < First claim Claim # XXXX <Second claim I am not responsible for these charges and i request further help to come to a resolution for the very poor communication and investigative skills provided by bank of america.

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 2023-01-25
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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. 


XXXX XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XX/XX/1969 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00}

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 2023-06-19
Company: EQUIFAX, INC.
State: MN
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
06 XXXXOriginal creditor: 06 XXXX 201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-XXXX transunion reporting inaccurate 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 explanation
Consumer complaint received 2022-10-31
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2019-04-28
Company: Specialized Loan Servicing Holdings LLC
State: SC
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:
First, SLS LLC is reporting my home mortgage account summary and all monthly payments with the following comment " ADDITIONAL INFORMATION - Real Estate Mortgage ; Loan Modified Under a Federal Government Plan ''. This is correct, it was under XXXX and, as such, is a negative reference. The modification was done in XXXX and, since over seven years have passed, the statement should be removed from all Credit Bureau submissions by SLS LLC. 

Second, SLS LLC is reporting the payments made in XX/XX/XXXX and XX/XX/XXXX were less than the scheduled amounts. Also, in XX/XX/XXXX, they show no scheduled nor paid amounts. Since SLS LLC has been autodrafting my checking account since they acquired my account from XXXX XXXX, the scheduled payments and paid amounts should always match.

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