BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
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 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX 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 XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX  XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXXXXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Block, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am in the XXXX and I set up cash app for donations to pay pay lawyer fees, our limit in the XXXX is a lot less than XXXX we only have a cashap limit of XXXX which wasnt enough so I set up 4 accounts in total. I have money on each account and cashap has closed all 4 accounts and are holding my money which is causing great stress as we need to pay the lawyer asap. They are refusing to help me and wont speak to me because Im in the XXXX. Iv called them many times, emailed and messaged them countless times on the app support but they refuse to tell me why my accounts are closed and when they will release my money. Its now been 3 weeks and they will not tell me anything. I contacted the XXXX who tried to help but they told them the case is now closed and I have to speak to XXXX staff. There is no XXXX staff we do t have cash app offices in the XXXX. I feel they are trying to keep my money and will not talk to me because Im in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid 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:
I purchased a watch from XXXX using my TD account. Days after receiving the watch the band broke due to a clear manufacturing issue. I tried to get XXXX to replace the band and was only sent incomplete parts for a band, but never a complete band. I filled a dispute with TD, stating that I had emails to add to the dispute to enforce my claims. They told me that if TD needed more information they would reaching out to me. Today I received a letter that they completed their investigation and that I should reach out to XXXX for warranty repair/replacement, which was the problem in the first place! 

Now TD Bank has told me the investigation is closed and I should have submitted the emails when I submitted the dispute, despite them never providing me an address to send emails, telling me their dispute department would reach out to me. 

As a XXXX XXXX that has stated this fact to TD, I feel completely and absolutely discriminated. XXXX is failing to honor their warranty and my bank does not seem to care!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-04-27
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023XXXX XXXX XXXX XXXX XXXXXXXX of Florida called my home claiming to be with XXXX XXXX XXXX XXXX, later discovering the name of the company while having me signed a bogus contract electronic signature, the true company name is XXXX XXXX XXXX XXXX  of Florida. The following scammers are XXXX XXXX, XXXX XXXX and XXXX XXXX. The contract failed to disclosed " No Refund and Services Rendered. '' on the contract or " unearned fees '' charged. The caller gained trust by accurately identifying credit card numbers and name of creditor representing themselves as legitimate representative of XXXX XXXX XXXX XXXX, instead of XXXX XXXX XXXX XXXXXXXX of Florida. I was conned by these people of {$2000.00} to reduce credit card debt, instead it ADDED the {$2000.00} on top of the amount by Deceptive Trade Practice and Misrepresentation. I was instructed to STOP MAKING PAYMENTS for 45 days, in order for the account to be late and be in default, when my account was on AUTOPAYMENT each month. Later, I discovered there are two complaints within 1 year by the same people and ten complaints within 3 years by the same parties. All of the confidence game and con game were done over the phone under misrepresentation of the facts and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Under the fair credit act the following creditors have violated my rights. My rights are being violated by going against The US Code 1681 section 602 A. States I have the right to privacy. followed by violating US Code 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions. 

-Credit Acceptance Account number starting with XXXX -XXXX  XXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting in XXXX -XXXX XXXX XXXX Account number starting with XXXX I also would like to point out I have been Economically impacted by COVID19 and have had no mercy from the creditors once I brought the violations to their attention which has led me to file this complaint.

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 2023-08-17
Company: EQUIFAX, INC.
State: NV
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:
on XX/XX/XXXX a dispute was placed with equifax into information on my report that was in correct. I have allowed 30 days and still have not heard anything back from the agency. I wish to have this resolved as soon as possible because im looking to purchase a new car for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: PNC Bank N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Never applied for XXXX XXXX $ credit card in XXXX to XXXX. Someone else did this using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 non-monetary relief
Consumer complaint received 2023-02-08
Company: M&T BANK CORPORATION
State: SC
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.This list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U S C 1681. 

M & T Bank account # XXXX on date XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX on date XXXX XXXX has violated my rights. 

15 U S C 1681 Section 604 A section 2 Its states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-07-08
Company: Resurgent Capital Services L.P.
State: NY
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:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. The following personal information is incorrect Employers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The disputed charge made was for a cancelled service that was settled in collections last year for less than full balance with ERCXXXX XXXX XXXX Please reference documents submitted. 
On XX/XX/XXXX, the original balance owed for the account # XXXX # XXXX XXXX XXXX was {$610.00}. 
On XX/XX/XXXX, the account # XXXXRef # XXXX debt was settled for less than full balance to be paid in full in the amount of {$390.00}. The remaining {$210.00} was written off and account was at XXXX balance and in good standing. 
On XX/XX/XXXX, XXXX XXXX recalled the {$210.00} and sent back to collections to report the account # XXXX debt was owed. I mistakenly believed the account was not paid, since the account was assigned a different reference number Ref # XXXX. After further investigation on my part, I did the math. The amount that I paid this year was a written off charge for a cancelled service that had been in good standing and was at XXXX balance as of XX/XX/XXXX. 
XXXX XXXX illegally reopened the account without my permission and charged me for a service that I did not use nor owe according to the agreement made on XX/XX/XXXX. 
Account was in good standing and at XXXX balance as of XX/XX/XXXX. I have made several phone calls to both XXXX and ERC to report the error and illegal activity. XXXX collections initially made a refund request on XX/XX/XXXX, Ref # XXXX, but soon declined request stating they did not owe me the {$210.00}. 
On XX/XX/XXXX, XXXX told me I was suppose to get a call from supervisor, but as of today, no phone call was made. 
ERC has identified illegal charge to account and has escalated investigation Ref # XXXX, on XX/XX/XXXX. 
XXXX XXXX XXXX illegally opened an already settled account # XXXX from XX/XX/XXXX and charged me for a service that I did not use. 
Please review the math below to verify : XX/XX/XXXX Original Balance of debt {$610.00} XX/XX/XXXX Settled for less than full balance {$390.00}, paid in full from XXXX checking account. 
**Remaining {$210.00} written off as agreed to make account # XXXX at XXXX balance and in good standing. ** XX/XX/XXXX Account # XXXXRef # XXXX was reopened sent back to collections for {$210.00} and mistakenly paid in error by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 I have been trying for nearly 3 weeks now to get my freeze lifted at Experian. It is next to impossible to get to a live person through any of the multiple numbers listed on their website or those listed on XXXX. Their interactive voice response ( IVR ) and/or automated caller detection ( ACD ) system also makes it impossible to get a freeze lifted ( or placed ) - let alone talk to a human. The first two weeks I tried calling these numbers - their system kept cutting me off with " I'm sorry, I didn't get that ''. Dead-end. I was finally able to retrieve my lost PIN code about a week ago using their website after jumping through enough hoops to establish my identity. I have since tried multiple times per day to call using my PIN code as well as use their website to lift my freeze. However, even with my PIN code - the only thing I can do to lift my freeze was to snail mail multiple documents to their PO Box in XXXX TX. I need the freeze lifted ( ASAP ) in order to proceed with a possible mortgage refinancing. I sent my letter to their PO Box on Saturday, XX/XX/2020 via USPS express mail. It is now close of business 3 business days later - and my account is still locked. My letter should have landed in their PO Box Monday, XX/XX/2020. I frequently lock and unlock all 3 of my credit bureau accounts and have NEVER experienced any thing as frustrating as this. I thought that after the Experian data breach - Congress had passed new legislation ensuring the bureaus made it easier and FREE to process these transactions. It seems that this egregious behavior on the part of Experian should be illegal. Seems to me that if I were a subscriber or paying customer for one of their 'services ' this would not be an issue.

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 2023-09-24
Company: EQUIFAX, INC.
State: PA
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'VE NOTICED SINCE MARCH I HAVE AN UNAUTHORIZED ACCOUNT ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT HAS MESSED WITH MY CREDIT. I HAVE BEEN WORKING ON THIS SINCE MARCH ASKING THE COMPANY TO VERIFY THIS INFORMATION IS WHY THEY NEVER SEND EVIDENCE JUST A WRITTEN STATEMENT SAYING " THE ACCOUNT HAS BEEN VERIFIED. '' THEY DON'T HAVE THE CORRECT ADDRESS OR EVEN A PROOF OF VERIFICATION TO SUPPORT THAT THE ACCOUNT IS MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: DISCOVER BANK
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a motorcycle part on XXXX from XXXX XXXX using my Discover credit in the amount of {$280.00}. I did not receive the correct part. I contacted Discover and disputed the amount. I finally received a final determination on XXXX. 

A decision has been reached for this investigation and we have found that this transaction is valid. You can expect to receive information on this decision to be sent to you via mail or secure message at Discover.com. Please review this information when it arrives for important details summarizing this dispute inquiry. Please notify us as soon as possible if you wish to continue this dispute. 

I notified them again after receiving a letter and discussed the matter with them again over the phone and asked for a higher authority to contact me. I have not received any correspondence from them and they have reversed the credit. 

I refuse to pay for a item that I did not want. I am willing to return the item back but the seller refused. I am unable to use this part as it does not fit my motorcycle correctly. If I used it I would cause serious harm to myself and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Minto Financial dba Minto Money
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for a loan online. Started off at what looked like a normal bank. I cant find which bank that was. Agreed to a {$1000.00} loan. Before I saw what kind of rates I was being issued or when my payment was due. It was sent to mintomoney. ( I didnt sign up thru them. ) They are charging {$130.00} a week for 10 months. So overall Ill be paying over {$5000.00} for {$1000.00} loan. I was never told this. I would have never agreed to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kohls is reporting wrong months late. Instead of reporting for XXXX they reported for XXXX. 

On a recorded line, I was told by a Kohls rep on XX/XX/XXXX that the payment I made for {$75.00} was sufficient and there was no further payment I needed to make when I offered to make a payment, I was told you are caught up for past due balances and they saw the {$75.00} payment. 

Also, on the statement is says {$74.00} minimum and {$93.00} past due. It also says {$190.00} was the minimum payment. 

I paid {$75.00} on XX/XX/XXXX. The account would have only been XXXX days past due on XX/XX/XXXX. Now I am being told that I should have paid {$93.00}. 

If Kohls is to report on my credit it should only be {$18.00} 30 days past due. 

I was also told that if they pulled the call where I offered to make a payment with the rep and they heard her tell me no further payment ( for past due ) was due on this call and I would only have an upcoming payment due XX/XX/XXXX. they would make the correct as a Kohls error. 

I spoke with XXXX XXXX from Executive offices and she yelled and screamed at me and refused to hear my concerns. This call was audio recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: IL
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 was robbed of my purse and now I have these inquires where someone is trying to get credit and different things in my name. I did not do this & have no idea who this thief is.

Company response to consumer: Closed with explanation