BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent money from my XXXX bank account to CashApp. Initially, XXXX blocked the transaction, but after verification, they released the funds. The money was deducted from my XXXX account but was never deposited into my CashApp account. I filed a claim with CashApp, but they stated that they never received the funds and advised me to address the issue with my bank. I initiated a dispute with my bank ( XXXX ), but I have yet to see the funds returned to my account. Additionally, CashApp deducted XXXX dollars from my account, leaving me with a negative balance of XXXX. I contacted CashApp support, and they informed me that the XXXX dollars had actually been deposited into my account. I refuted this claim by providing a screenshot of my statement, which did not show a XXXX deposit in XXXX which I had disputed. The customer service representative stated that there was nothing they could or would do for me and advised me to take the matter up with my bank once again. I am out XXXX dollars total for this ( XXXX from bank at XXXX and now negative XXXX at CashApp ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: HYUNDAI CAPITAL AMERICA
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:
Greetings, XXXX XXXX XXXX is currently reporting to XXXX that I had a lease with their company, which totaled in the amount of {$18000.00} opened in XX/XX/XXXX. I am not aware of who opened this account nor do I have any information outside of what was provided in the letters sent to dispute this account in XX/XX/XXXX.  Upon my knowledge of this fraudulent account, I immediately filed the proper reports to support my position of identity theft, on this account and several other items on my credit reports. This account was fraudulently open in my name. This has become very frustrating for me and is causing damage to my credit. I have made efforts to dispute this issue for a whole year and this is still hindering my credit. 
Pursuant to Fair Debt Collection Practices, XXXX has not been able to provide me with 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this fraudulent debt. 

They have been non-compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that they are liable for willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]. They have failed to provide a copy of any alleged contract or other instrument bearing my signature.

Lawfully I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act With regard to XXXX, they are continuing to give me a hard time with this account. XXXX, as well as XXXX were excellent in assisting me and understanding my concerns and have complied with my efforts in disputing this account as a fraudulent account and have completely removed it. I notified XXXX of the actions in XX/XX/XXXX that the other two bureaus have taken and they are continuing to keep this account on my credit profile. I have taken the steps to dispute the account on XXXX website and certified mailed letters regarding FCRA Section 605B. They are handling this request as a common dispute and had no urgency in complying with the law. 



Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They clain this is a debt that I owe from XXXX that was charged off in 2009 that would be 14 years ago which I know is past the statute of limitations I responded with an email that it is past and that I would not have any records that far back anyway so leave me alone but they keep sending emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the Equifax data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I have three main issues with my credit report with credit reporting agencies. 
1. I have noticed On XX/XX/XXXX, two unauthorized credit inquires made to my credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and reported by TransUnion and XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX reported in XXXX as hard inquiry for mortgage which I had never authorized. I have contacted TransUnion to fix this issue and advised me to report to CFPB. 
2. On XX/XX/XXXX, I wanted to purchase car and the dealer run my credit with different creditors and finally I was approved with one of them. Even if they did ran without my knowledge, they confirmed me that only one of them would be reported because all done in the same window period ( even in a minutes ). But all reported in TransUnion which is not acceptable. When I request TransUnion, it directed me to reach your office to resolve this issue. 
3. I have established my credit history since XXXX, XXXX but the credit reporting Bureaus only report the latest credit I have which is totally unacceptable and leave my credit history very young. I kindly request this Bureau to resolve my all above mentioned issues adversely affecting my credit

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 2023-11-27
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
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:
There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX  - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXX/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 explanation
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
After checking my credit report I found an account listed from Wells Fargo Dillards # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX  XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit 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:
On XX/XX/2023 someone purchased concert tickets in Pennsylvania using our credit card. We were in California at this time. We were first alerted to this when XXXX received a text from Chase asking if the purchase was legitimate. We said no. The text response said we had already approved the purchase. We then logged into XXXX 's email account and saw that someone was actively in his account accessing and deleting emails. We attempted to log them out but were unable to with XXXX. 
We contacted the Chase fraud department to alert them of the purchase, gave the information on how the email seems to have been hacked. We also contacted XXXX the site the tickets were purchased from to alert them of the fraudulent transaction. We were able to save one email before it was deleted and I sent that email to XXXX alerting them that it was a fraudulent transaction and to cancel the tickets. 
Chase then put the charges back on our credit card stating that XXXX said they were a legitimate purchase. I then sent Chase Fraud Recovery the email I sent to Gametime telling them it was not legitimate and then sent a following email with my call log showing I had called Gametime to alert them of this fraudulent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under I C SYSTEM and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

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 2021-04-06
Company: Resurgent Capital Services L.P.
State: CO
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 SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX  REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting to follow up on my previous complaint dated XX/XX/2023, expressing my concern regarding certain accounts listed below. As reiterated in my initial complaint, I have no transaction history associated with the accounts mentioned, and I kindly request your assistance in promptly removing these accounts, along with any incorrect information, from my personal profile. The listed items are as follows : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Account Balance {$0.00}. I emphasize my adherence to the law and kindly request that you ensure the removal of these inaccurate accounts. I anticipate an updated result within the next 15 days for my credit report update. I trust that this matter will be addressed promptly to avoid any further inconvenience. To facilitate the process, I am providing additional verification documents, including my Bank Statements, Drivers License, and SS ID, all confirming my sole address. Additionally, I am re-attaching a copy of the identity theft report ( FTC report # : XXXX ) for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im writing in regards to letters I sent out disputing this account with XXXX XXXX and I never received any correspondence about to the disputed account, I wrote to XXXX XXXX, XXXX, Equifax and XXXX and it had been over 35 days with XXXX XXXX and Equifax and it has been 34 days with XXXX XXXX The Late payments are reporting inaccurately and illegally. I pointed out all the violations that they are in violation of and continuing to report this account is illegal. I want this account reinvestigated and this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, 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:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
the company keeps miss allocating the money i send them to pay for my loans which keeps causing excessive fees. the last times i have had contact with firstmark XXXX XXXX XXXX about my loans i told them to pay for the specific month and all its late fees which should bringing my account to the normal monthly amount, but yet again i have more fees than i should having to pay more than i should. COMPLAINT ID XXXX was about the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: SLM CORPORATION
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 have requested accounting of this contract and until it can be verified, it should not be reported on my credit file. 

15USC1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that Bank of America has reported my transactions and experiences, particularly a late payment that you have posted on my consumer 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 2023-07-13
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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