BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and delete these immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD ) XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-02-06
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-07
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2022 I received a letter from Synchrony Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by Synchrony XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and XXXX Credit Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both XXXX and 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 2020-06-18
Company: Experian Information Solutions Inc.
State: OH
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:
CONTACTED XXXX XXXX AND EXPERIAN IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2022-07-25
Company: FC HoldCo LLC
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: Old information reappears or never goes away

Complaint:
Flagship Credit Acceptance has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.

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 2022-11-16
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. Thank you

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 2020-11-07
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to Equfax.This has prevented me from finding a suitable home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AL
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and maXXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Well my account was fine in the morning, then I looked again and {$1200.00} was taken out of my checking account due to card claim reversal of credit. Making my account - {$1200.00}.

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 explanation
Consumer complaint received 2022-03-14
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data international at has been sending me collection notices for the amount of XXXX the collection has posted past due balance. I dont know this company. I have never done business with this company before. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America left me stranded with no money whatsoever as they froze all my accounts on XX/XX/XXXX which included savings account, personal checking account, business checking account, debit card, credit card with no legal reason causing me emotional traumatic anguish in addition to telling me that they did not plan to ever release my funds. 
Although in complaining to Consumer Finance Bank of America finally released my funds weeks later, I firmly believe that Bank of American must compensate me for the mental anguish they put me through by leaving me with no money whatever in addition to destroying my business reputation as the business checks I issued prior to my accounts being frozen were not able to be cashed by the recipients and, consequently, I was threatened by the recipients to call the police because they felt I had given them back checks. 

I firmly believe that Bank of America destroyed my life by leaving me with no money whatsoever to spend for weeks and, therefore, they should be fined in addition to having them compensate for my traumatic stress.

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 2023-09-08
Company: MORGAN STANLEY & CO. LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I reached out to Etrade for being unable to log into my accounts. I had a bank account and two brokerage accounts. During this phone call ( 2 hours long with an agent ) I updated my phone number my mailing address, we did a conference call with an old bank account of mine and at the end of the call I verified my information and was able to access my account. So I proceeded to initiate a transfer of money from my XXXX account. Towards the end of the call the agent asks me to clear up any unwanted or closed accounts attached to my brokerage account. And he read me the account ending in numbers as well as the institution, and with all the information I gave him and what he had on his screen he proceeds to ask if i wanted to remove an account ending with numbers i didn't recognize as he also stated that it seemed like a duplicate of my wells fargo account so I agreed to remove it. Then he tells me he removed all my accounts except one which was a go 2 account through XXXX XXXX. He removed my XXXX account which my transfer was coming from and said he couldn't undo it that he was sorry. So today I get 4 pieces of mail dated XX/XX/2023 stating all my accounts were closed due to what they said they determined my personal information may have been used fraudulently to open my accounts, so they closed all of them. After verifying everything 2 days prior and with no emails or text messages. Here it is XX/XX/2023 and they took this action on the XXXX. When I called them today the agent i spoke to said it was due to possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern, I am writing to bring light to unfair business practices by Cash App that have caused me significant stress and financial hardship. On XX/XX/2023, I initiated a transfer of XXXX XXXX from my Cash App account to my XXXX XXXX XXXXXXXX account. Cash App confirmed the transfer would take XXXX business days. 

After XXXX  days passed without the money appearing in my XXXX XXXX XXXXXXXX account, I contacted XXXX XXXX XXXXXXXX, who informed me that Cash App never initiated the transfer on their end due to a 'computer issue. ' However, the money was also removed from my Cash App account, leaving me without access to my funds. 

I have made multiple attempts to contact Cash App by phone and chat to resolve this issue and locate my missing money, but have found their customer service essentially non-functional. Their phone line does not connect, and their chat bot provides unhelpful automated responses without addressing my specific problem. 

Essentially, due to technical errors on Cash App 's part, my money has vanished, and I have no way to access or recover it through their customer service channels. This has caused me significant financial distress, as I am unable to pay bills and expenses. 

Cash App 's lack of reliable customer service and failure to take responsibility for errors that affect users ' money is unacceptable and unethical business conduct. I urge you to look into their technical issues that lead to funds disappearing, as well as improve their customer service response so users like myself have a way to promptly resolve problems. No customer should endure the stress and chaos I've experienced trying to access my own hard-earned money. 

I look forward to a satisfactory resolution of this situation by Cash App. Please feel free to contact me with any questions. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2021, I moved from residence from XXXX to XXXXXXXX XXXX SC. In end of XX/XX/2021, I contacted XXXX XXXX and informed them that I would be moving from my residence and to transfer my service. My last bill should be in XX/XX/2021. XXXX XXXX representative transferred my service to XXXX XXXX XXXX, XXXX XXXX SC XXXX. At the time there was no outstanding bill on my account otherwise I would not have been able to transfer my service. XXXX XXXX failed to discontinue my service at XXXX XXXX XXXX as a result I incured a bill for {$490.00} and therefore violated by consumer protection rights. There has been two debt collection companies that have contacted me for the past two years and I have contacted affirmed the assertions I am making in this dispute. There is not debt owed because I transferred by service. XXXX XXXX has retained Bull City Financial Solutions , Inc . I am affirmatively disputing the debt owed of {$490.00} under the debt collection laws. XXXX XXXX should have done their due diligence and shut off the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I paid for a service, a money remittance on XX/XX/2023. Supposed to be in the beneficiary 's account in minutes. It's been 3 days. I call moneygram 's customer service for an explanation they blame the recipient 's bank, they say the recipient 's bank have the funds available and they don't know when the recipient will have the funds deposited into his account but they will investigate. I tell them the recipient really needs those funds and that if they can't make sure he receives the money like right away I would like to cancel the transaction. Customer service then tells me that is no possible that I have to wait up to 90 days. I just talked to the money transfer beneficiary, He went to his bank to find out the reason for the money not being there. It turns out there is not money they are withholding, that by law they can not withhold any funds that belong to an account holder. I call customer service, this time just to cancel. But again I'm told " not possible ''. I ask to talk to somebody else and this person tells me that whoever I talk to it's going to tell me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX 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 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 2023-09-08
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I received a letter from Aidvantage saying I needed to start repayment on my {$9200.00} student loans on XXXX XXXX. I paid off my three loans for a total of {$9200.00} on XX/XX/XXXX. Aidvantage has no history of my loan payment as the loans were paid off when my loans were serviced by XXXX. Aidvantage is now saying I need to produce bank statements proving the payments had been made. I can not access XXXX  to show proof of payment as that website no longer exists. Studentaid.gov shows that one payment of {$9200.00} has been made but I still owe another {$9200.00}. I never took out {$18000.00}.

Company response to consumer: Closed with explanation