BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

I told the Experian, XXXX, and XXXX to delete these accounts because the information was incorrect and I was a victim of identity theft : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX & XXXX ( Original Creditor : XXXX ) Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation Delete these account per 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 2023-01-08
Company: Experian Information Solutions Inc.
State: IL
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:
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$3400.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX Retail and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : 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 2017-05-17
Company: Law Offices of Robert J. Colclough, III
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around   XXXX   of this year, I pulled my annual credit reports and noticed a collection on my   XXXX   report. The amount at that time was for around {$3500.00}. I disputed this immediately with   XXXX   and also sent a debt validation notice to this company. I have not received a response from the company as of today. I have also disputed this collection twice with  XXXX . Both times the collection account as went up in amounts. This is a very unfair practice of not validating debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 provided proof to XXXX that a debt collection agency who purchased Credit Card debt, Portfolio Recovery Associates, is using the tactic of illegally re-aging debt so that it will appear on my credit report longer than seven years past the the initial 30-day late payment of the debt. The debt should no longer be reflected on my credit report, but the debt collector has reported false dates in order to retain the debt on my credit report past the legal statute. The credit agency, XXXX, did not sufficiently investigate my claim of innacutare 1st delinquency dates on the original debt, and will not re-open the investigation, although I have provided proof that the debt collector / debt buyer is reporting false dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, cash app account was hacked and took different amounts {$1200.00} and the second transfer of {$1400.00} from my bank account and sent to different account without my authorization. The amount was sent to a fake bitcoin account. I tried refund the amount and even dispute the transaction but stated that i need to file a police report for further investigation. I filed a police report about the fraud and unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
COMPANY IS A PROBLEM HAVE TRIED TO WORK WITH THE COMPANY THE STORE THAT I OPEN MY ACCOUNT EASY MONEY XXXX XXXX ARE VERY GOOD PEOPLE. BUT FOR SOME REASON EASY MONEY IN XXXX TN MANAGER XXXX COULD NOT GET HER XXXX NAME IS VERY IGNORANT AND RUDE. THE DISTRICT MANAGER HAS NOT CALL ABOUT THE COMPLAINT THIS PERSON AND HER WORKERS HAS DONE FOR HARASSMENT TO XXXX CUSTOMERS. THE XXXX STORE OF EASY MONEY HAS NOTHING TO DO WITH MY ACCOUNT. THIS XXXX CALLED ME 7 TIME IN A ROW HANGING UP AND SCREAMING AND I TOLD HER DO NOT CALL ME AGAIN OR HER JOB WILL BE IN JEOPARDY. I TAPE THE CONVERSATION AND RECORDING THE TIMES SHE CALLED. SHE IS NOT SMART NOR HER WORKERS BECAUSE SHE SHOULD KNOW THE LAW OF HARASSMENT CALLS EVERYDAY WHEN THE ACCOUNT IS WITH ANOTHER STORE. I FILED FOR BANKRUPTCY WAS CALLED BY A CALL CENTER WHO CALLED THEMSELVES CORPORATE SAID SHE PUT A NOTE TO SAY I DECIDED NOT TO FILE WHO TOLD HER THAT AND WHAT BUSINESS OF HERS I TOLD THE STORE I HAVE THE ACCOUNT WITH. THIS WOMEN NEEDS TO BE FIRED XXXX SHOULD NOT BE TREATED LIKE THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent an XXXX XXXX using Cash App card to the wrong number on my XXXX Once I sent the money the unknown recipient accepted the funds. Once I realized this I tried to cancel and get he funds back but XXXX could not assist. I called XXXX and reached out to Cash App because the funds came from my Cash App account. 

Cash App claimed that the transaction was valid and waited almost XXXX weeks after going back and forth to tell they could not help refund the {$550.00} to my account. I reached out to them on twitter and the same run around that I had to wait on their special team. I went back to support on the Cash App app and they told me they could basically resend info to the same team just so I get the same denial email. I was scammed and they claimed that it was not the case by denying my request. I have never had an issue up until now with Cash app but the help was not at all what I expected. I sent phone number text messages and even screenshots of the XXXX XXXX charge to show them that the money was sent to an unknown person mistakenly but to no avail they still denied it. 

I reached back out to support yesterday XX/XX/2023 after receiving a denial that was emailed to me from the special team on XX/XX/2023 and they stated that there was nothing else they could do but submit the same info to that team. This situation has been a hindrance and extremely disappointing for me to have been a customer for almost a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 hope this letter finds you well. I am writing to express my gratitude for your prompt action in deleting certain fraudulent accounts from my credit report. However, I am also writing with deep frustration and disappointment regarding the unresolved issues that persist on my credit report, which continue to have a negative impact on my financial life. 
However, my frustration arises from the fact that despite the removal of some fraudulent accounts, several others remain on my credit report, despite my repeated attempts to dispute them. These remaining fraudulent accounts continue to damage my creditworthiness and hinder my financial opportunities. It is disheartening to see that these discrepancies persist, even after providing clear evidence of their fraudulent nature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a responsible consumer, I have diligently reported all unauthorized activities and provided all necessary documentation to support my claims.

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 2023-03-22
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022

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 2023-11-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im dealing with a dispute on a big purchase that was done on my AMAZON credit card. They ask me to send them incident reports for each item that was ordered. I send incident reports multiple times with all the information required. This issue has been going on for months with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-21
Company: EQUIFAX, 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 honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Investigation took more than 30 days

Complaint:
According to the law 15 U.S. code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and consumer notices the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct reasonable investigations to determine whether information is inaccurate and record the current status of the disputed information or delete the item from file in accordance with paragraph ( 5 ) be the end of the 30 day period beginning on the which the agency receives the notice of the disputed from the consumer or reseller

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 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XXXX XXXX XXXX  i was scammed by asking to wire {$35000.00} from my XXXX XXXX account to a Bank of America N.A. NY account, i asked XXXX XXXX to recall the funds they did and after several attempts Bank of America did not respond XXXX XXXXave up ( Bank voucher is attached ). 

i am a victim of a XXXX XXXX XXXX where i was to invest into a crypto trading platform named XXXX for short term trades which was a bogus website i end up sending {$140000.00} in total {$35000.00} was sent in form of a wire transfer and the rest by sending in form of cryptos, thru XXXX and XXXX i was also asked by email ( XXXX ) by the same people to pay for taxes.

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 2021-04-12
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account one day, and its says we can not do business with you anymore. The paypal balance on your account will be on hold for 180 days, after 180 days, you will be able to eligible to withdraw your paypal balance. However, one day, when I was checking my paypal account, I saw NONE balance. Thus, I checked the paypal balance and I was shocked to see a transaction that posted by paypal, the note saysXXXX XXXX XXXXXXXX, paypal posting on XX/XX/2021 to paypal XXXX it is paid with paypal cash plus balance. well, paypal took the money from me while I, as the account holder, dont have any idea about that! That is definitely not fair and is illegal, as they are taking money from its users. Since it says, I can withdraw the balance after 180days, why they took the money from me? I was trying to reach them for help, but they can not support me. The line is busy, and they can not tell me what exactly happened, cause the information the paypal agent who I spoke to can only access limited information about that payment transaction. I think I can file a report here because they didnt do the right thing for me. And I need to get the money back. The email linked to my paypal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Upstart Holdings, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I applied for a loan online through Upstart ( located in California ) ( financed through XXXX XXXX XXXX, XXXX, NJ ) on Sunday, XX/XX/19 and it was approved and the funds were already in my account within 2 business days on Tuesday XX/XX/19 totaling {$44000.00}. I decided I did not want to proceed with the loan and on the same day on XX/XX/19 I received the funds and I sent back the payment in full of {$44000.00}. I contacted Upstart and let them know I wanted to cancel the loan and had sent back the payment in full, and was told I had to pay them an additional {$4000.00} on top of the money I received for my account to be considered " paid in full '' for the " financing fee '', although this all occurred within a 2 business day period. The did not apply the total money to the loan balance and the " finance fee '' continues to grow daily at a rate of 25 %. Loan # is XXXX. I would like the account closed, considered " paid in full '' or " cancelled '' and removed from my credit report. This is a extremely predatory practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation