BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has XXXX XXXX AND XXXX XXXX  INQURIES ON REPORT. PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/ I received notices of an attempt to collect a debt on a account owned by XXXX XXXX XXXX XXXX from a debt collector called Radius Global Solutions LLC i notified them immediately that the debt and account is not mine nor do i have any knowledge as to how the account was opened using my personal information. I never signed any service agreement with XXXX XXXX XXXX XXXX nor did i give anyone permission to act on my behave to open or do any business with XXXX XXXX XXXX XXXX. Radius did not answer my original complaint about this matter i reached out to XXXX XXXX XXXX to ask for a responsible investigation as to this matter i haven't heard anything from XXXX XXXX XXXX XXXX or Radius Global Solutions.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

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 has violated my rights. Or a list of inquiries : 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 other 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.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion is reporting incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX and Transunion are reporting a late payment to XXXX for the month of XXXX. This is totally incorrect and should be updated immediately. My original dispute was to remove a late payment for this account in XX/XX/XXXX ( not XX/XX/XXXX ) which is currently being disputed by credit card company as well. This is effecting my credit score and I'm tired of going back/forth with these credit bureaus inaccurate reporting. I am attaching copies of XXXX and Transunion reporting along with my credit card statement clearly showing payment for XXXX. I HAVE NEVER BEEN LATE WITH THE CREDIT CARD. And, after speaking with the credit card company, they agreed as well -- never late -- and are currently disputing this item as well. However, the credit bureaus should delete late reporting immediately! 

As a consumer, my rights are being violated by these credit bureaus and they should be reprimanded for such acts. According to 15 U.S.C. Section 1681A - ... " unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the bank system. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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:
On XX/XX/2023 I expected {$470.00} to be deposited into my account from my Cash App balance. I checked my account on the XXXX, when I did not see my deposit I called Cash App and was told to wait 3 business days and my money should arrive. Three business days came and went and I still did not receive my money. 
I contacted my bank and they said there was no trace of the money. On XX/XX/2023 I asked Cash App to look into this issue for me. They asked me to provide proof. I provided print outs of my account showing I only had a {$5.00} balance with no pending or past transactions. They also asked for a letter from my bank which they provided also verifying that I did not receive a deposit. After all of this, Cash App said they would ask my bank for a reversal. How could they reverse that which never arrived? So they attempted to withdrawal {$470.00} from my account knowing my balance was only {$5.00} which caused me to be charged a {$25.00} insufficient funds fee by my bank. 
Fast forward to today, Cash App just insisted the money was there, ignoring the proof that they asked for. My bank did their own internal investigation and found that no deposit entered any account that whole week in the amount of {$470.00}. They offered to talk to Cash App to try to work this out but Cash App will not cooperate. Money does not vanish without a trace and I need for someone to take a deeper look into this so that I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1999 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1999 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy Information giving has been resolved but not removed attached is supporting documentations account has been XXXX since 2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Angel Oak Mortgage Solutions LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX Re : XXXXXXXX XXXX Angel Oak Mortgage solutions New house built on XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX History of events 1. The sales agreement was signed on XX/XX/XXXX, for the new build house at XXXX XXXX XXXX, XXXX XXXX TX. 
2. The loan estimate was issued, agreed and signed on XX/XX/XXXX, with rate lock until XX/XX/XXXX at XXXX EDT, interest rate of 3.375 % for a loan amount of {$150000.00}. This is a legal binding document that XXXX XXXX and Angel Oak Mortgage solution need to adhere to for the interest rate lock. ( page 1 of the attachment-loan re-disclosure documents- signed-XXXX ) 3. Final closing date was issued for XX/XX/XXXX 4. Email came XX/XX/XXXX, at XXXX, asking me to choose the interest rate option, offered at 6.25 %, see email attached, an 85 % increase from the rate locked at 3.375 on XX/XX/XXXX ( attachment XXXX XXXX XXXX email regarding interest rate ) 5. I sent a demand email to the respective loan officers and XXXXXXXX XXXX XXXX  consultant with the options : proceed to close at 3.375 % as locked rate, or if I am forced to go to another lender, the {$10000.00} seller credits is being retained. ( attachment-XXXX XXXX XXXXXXXX email regarding interest rate )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Schrier, Tolin and Wagman, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Greetings, My name is XXXX, I have Stipulation of settlement with TOLIN & WAGMAN which I agreed to pay {$380.00} per month, beginning XXXX XXXX until the sum of XXXX will pay in full. On XX/XX/XXXX Due to the loss of my father- in-law with XXXX and I had reduced of income. I have called Schrier Tolin & Wagman and I talked to XXXX and asked her if I can pay lesser amount than {$380.00}. She told me I can pay {$200.00} every month due to COVID-19 everybody is having problems paying their debt. Since XX/XX/XXXX I have been paying {$200.00} a month. Sometimes I pay 2 months together $ XXXX {$500.00} because they do not accept less than {$400.00} on credit cards payment. The last payment was XX/XX/XXXX for {$400.00} for XXXX and XXXX. On XX/XX/XXXX I have called Tolin & Wagman, I spook with XXXX who confirmed to me on the phone and by email, I am okay on paying {$200.00} a month. On XX/XX/XXXX the office of Schrier Tolin & Wagman confirmed to me in writing that I can pay {$200.00} on the XXXX of every month until the settlement is paid in full. I do not understand why I am paying as agreed {$200.00} a month since XX/XX/XXXX and XXXX XXXX Tolin enter judgment against me. Since XX/XX/XXXX every time I call the office, they tell me I am fine on paying {$200.00} a month. I am doing my best to pay my settlement in full by the end of the year. As of today, the balance is {$2500.00}. XXXX XXXX Tolin is doing his best to collect the full amount before the settlement, he does not want to work with me to pay my settlement. I have called and sent emails the TOLIN & WAGMAN office they keep hanging up on me. They do not want to find solution. They are making it difficult for me to pay my settlement, so they can enter judgment against me. Their XXXX is to collect the full amount before the settlement. They tricked me. I have been paying for 2 years, now I am almost done paying my settlement they want me to pay more. I have seen several customers complaint online about this company scamming them of their money. They need an immediate investigation. 

Please check the XXXX XXXX : Schrier, Tolin & Wagman, LLC Reviews and Ratings | XXXX Schrier Tolin And Wagman XXXX XXXX, MD XXXX | XXXX Schrier & Tolin , LLC | Reviews | XXXX XXXX XXXX Profile ( XXXX  ) Thank you so much for your time on this matter. 

Best Regards, 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 explanation
Consumer complaint received 2023-10-02
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My husband and I left town on a family emergency. My husband XXXX XXXX and hurt himself broke so a XXXX in his neck and tube on his back and he is XXXX XXXX XXXX during the drive back from DC. We had purchased gas for {$32.00} at pilot. Thought everything was OK. Drove home, the next day my husband got a text from PNC fraud department asking or the charges they included in the text with charges that he made he reply. No I didnt call the bank to dispute their mouth within a week or two. They emailed back and said they believe the charges were correct Yet theyre the ones that notify us they were suspicious of the charges because its unusual it shows a {$32.00} charge for gas within seconds {$150.00} even at the same gas station then not long from that a {$30.00} and something cents at XXXX XXXX another XXXX something dollars and {$120.00}. My XXXX XXXX an XXXX XXXX theres no way we can put {$32.00} in gas {$30.00} in gas {$150.00} even in gas during this process. I looked into our account and noticed that there were other charges so I put a dispute in. Yes we have been to these places before however, we did not make these charges the second time The bank automatically assume that we did it and they said they did a thorough investigation I know for a fact that someone can take your pin number and create a card with a chip and fraudulent use your account. Including multiple quick withdrawal as fast as they can, or purchases. I even offered for them to go ahead and request video for the Places to verify its not us the person I talk to said she was gon na record this conversation for quality purposes then I told her that I would like to record the conversation for proof she said she will cease and not discuss it with me any further and refuse help and continuously put me on hold, and she told me are you threatening me because I told her that I believe it was unfair and that I would probably post it on social media so that other people know about fraud they withdraw the amount on my account to cover for fraud charges that I had nothing to do with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Bridgecrest Acceptance Corporation
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:
XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXS CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX  CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it XXXX concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. 

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 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 other 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. 
XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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