BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
These two transactions was for my hair appointment, The {$55.00} was for the deposit and the {$110.00} was for the remaining balance. Today was my appointment and the lady gave me a false address and ended up blocking me on XXXX XXXX. She reached out to me in XXXX after I joined a XXXX group looking for a hairstylist located in XXXX nc. I was told to send the payments through cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a king size mattress on XX/XX/2022. Charged it on a XXXX credit card. 
After still paying found that several holes were found on the fabric of the mattress. 
The mattress that I was replacing was 20 years old with no issues. I reported this to Mattress Firm and first of all was told that I had bought that at the outlet store. The store in XXXX XXXX IL on XXXX and XXXX XXXX nowhere does it state that it's an outlet store. 
Spoke with the manager about the situation and they wouldn't do anything. However, after filing a complaint with the XXXX XXXX XXXX, I was told that I could exchange it. I went back to the store and there was only 1 mattress that I found to be comfortable. However, they told me it would be an addition {$1000.00} making the mattress {$3000.00}. 
That is not what I wanted to spend for a mattress when I entered the store. The Regional Manager called me and said that there was nothing they can do. The XXXXXXXX XXXX Credit card claims that they filed a complaint and came up with the same conclusion that my claim is not valid. 

Within a year, the mattress is falling apart. How dare they take advantage of regular working people. Also, stated that I got it at an Outlet where there is nowhere a sign that says I was in an outlet. I think that this company is lying to people to buy there product and selling LESS THAN PAR Products.

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 2020-02-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  CC- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX - Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2023-09-21
Company: Block, Inc.
State: SC
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:
I reached out to cash app several times about a charge that was unauthorized. I asked cash app to provide information on who the payment went to and was told to wait 10 days for a response. Within 2 days I received emails stating my case was closed because I didn't respond or some other reason. It wasn't fully investigated. I asked fir a proof document and it was basically a print out if the transaction. Cash app seems to think this is okay and it's not. I was told someone in my household authorized the transaction ... I live with my dog so unless she did this I don't know who else is in my household. They are horrible. I just want my money back and the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-20
Company: U.S. BANCORP
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  consumer report reflects 28 different charge off dates with Elan Financial Service. Elan Financial Service is reporting on several different dates as charge off dates when it should only reflect 1 charge off date or XXXX is reporting this false and inaccurate information in my credit report. My XXXX report also states that Elan Financial has written off this debt per my XXXX report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if Elan Financial has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XXXX and it does not have anything from or for Elan Financial Service . Either way this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.

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 2022-12-13
Company: LEXISNEXIS
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:
On several occasions I've been trying to resolve the issue with XXXX 's XXXX they have a phone number on file that does not belong to me or my business not in the past and not currently. I went through the dispute process that took over 90 days and they concluded that the information was verified and accurate. Even though I told them numerous occasions that the number does not belong to me or my business they claim it's verified. XXXX XXXX refuses to remove the phone number that does not belong to my business which causes me to get credit denied by banks because they can't verify my phone number that XXXX XXXX has as inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the ( FCRA ) everything has to be 100 percent accurate on my credit report. The bureaus have stated all my accounts were properly investigated, but how can that be when the date last active, the date last reported, and the opening date are all incorrect and different between the 3 bureaus or incomplete. This is grounds for removal and they have violated my Rights under 15 u.s.c. 1681 sec 602A. States I have the right to privacy. 15 usc 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instruction. There for I want to see verification of a signed invoice, a copy of the binding contract between both parties and validation of the debt that is actual accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions Inc.
State: TN
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 does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. XXXX is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. XXXX  has items listed on my credit report showing long before I disputed these fraudulent accounts. I need XXXX to remove the fraudulent items. I am trying to buy a house and new car asap

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 2019-01-14
Company: I.C. System, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm filing a complaint against XXXX XXXX XXXX.they shut my phone off and refused to work with me. This all took place after hurricane Irma now it is in credit bureau and in collections.i offer to pay half of bill during state of emergency that we had due to hurricane but they refused. There was no work and no way to print us a check. After thing got better I was forced to get another phone from a different provider. Is this fair not working with the customers during a national disaster?? Gov put laws into place for creditors to work with us

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have repeatedly reported instances of non-stop and disrespectful contact from your agencies during inappropriate hours, despite my efforts to address and rectify the situation. In addition, my request for proof of application to your companies resulted in an onslaught of emails and bills, indicating a monthly membership cost, which I find to be both unjust and in violation of consumer rights. 

Per 15 USC 1681n, each violation incurs a fine of {$1000.00}. Given the persistent nature of the violations, I demand immediate cessation of the unwarranted communications and a thorough investigation into the aforementioned issues. Furthermore, I expect prompt remediation and an official response outlining the steps taken to rectify the situation. 

I am prepared to escalate this matter to legal authorities if necessary, and I trust that it will not come to that. Your cooperation in resolving this matter expediently is appreciated.

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 2019-01-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Starting XX/XX/XXXX until now ( XX/XX/XXXX ) I started receiving anonymous and threatening calls regarding an alleged past due amount owed on a checking account from Wells Fargo in XX/XX/XXXX. I have received numerous calls from XXXX XXXX XXXX with a court docket number and I called them back and was redirected to XXXX XXXX XXXX and was then told they are not handling case but could give me a summary. XXXX XXXX XXXX informed me that case was being handled from XXXX XXXX XXXX out of Texas. XXXX informed me of an address discrepancy as the reason why they could not deliver the summons to me personally and accused me of writing " bad '' checks and blatantly told me " I was living recklessly '' AND THAT I WOULD BE TAKEN TO COURT. They never informed me that " this was an attempt to collect any debt ''. This was settled and these agencies should not be contacting me at all. XXXX stated I had overdrawn a checking account for XXXX which is ABSURD! This was over 10 years ago and would like to do everything possible to stop these people.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I need these inquiries investigated and I require written proof of authorization. 

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  Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2022-11-23
Company: EQUIFAX, INC.
State: TN
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 protected consumer rights to privacy and confidentially under 15 U.S.C .1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 

15 U.S.C. 1681 Section2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information, other than reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2023-01-19
Company: Experian Information Solutions Inc.
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:
Hello my name is XXXX XXXX and im a victim of identity theft. i need the following accounts to be removed from my credit report. i have submitted documents to the credit bureaus multiple times and the items still havent been removed. Ive also contacted the creditor about this matter. My credit card was stolen a few years ago. O ended up getting a replacement card but didnt do anything else because I didnt have much knowledge about credit. One day I decided to start using it an created a account with the credit bureau to monitor and check my credit and score when I noticed fraudulent accounts. Now that Im in need of my credit Im having a hard time because of these fraudulent accounts and charges.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: NY
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:
The following address, names ect must be removed from credit report as the are incorrect. 


DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( correct address is " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( remove the XXXX XXXX ) ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( correct address is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( Add a XXXX XXXX XXXX' ) ) DELETE : " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( was my restaurant/business. no longer own, not residence ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( My mother and fathers old house not mine ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( NEVER LIVED THERE ) DELETE : XX/XX/XXXX ( EXPERIAN ) NOT MY XXXX DELETE : XXXX XXXX XXXX, " XXXX '' IS MY MIDDLE XXXX NOT 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 2019-02-11
Company: NAVY FEDERAL CREDIT UNION
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:
CFPB is full of complaints against the Navy Federal Credit Union. I have filed a number of complaints attempting to correct my XXXX, XXXX and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. Navy Federal Credit Union continues to report false information to each of the the three credit reporting agencies. Navy Federal Credit Union pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. Navy Federal Credit Union then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX reporting the cancellation of the debt. Navy Federal Credit Union continues to report a PAST DUE amount of {$22.00}, XXXX. By law, Navy Federal Credit Union can not continue to pursue a debt they have cancelled. Navy Federal Credit Union can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. Navy Federal Credit Union abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name NAVY FEDERAL CR UN Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX5 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Remarks Charged off. Canceled by credit grantor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Have been received calls from someone claiming I owe {$260.00} from a uncollected debt with XXXX XXXX. Have not had an account with them for at least 2years. Cleared all debts with them. 
The calls are aggressive wants my credit card number.

Company response to consumer: Closed with explanation