BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Experian has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Experian. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$25000.00}

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 2023-02-04
Company: Experian Information Solutions Inc.
State: TX
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, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX  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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has 3 hard inquiries that hard inquiries that have reported to my credit report and I have never applied for anything with cXXXX XXXX. The dates are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app account was compromised last year, and aster losing over {$1400.00} cash app denied any reimbursement. I can see that the amount sent to someone by the name of XXXX XXXXXXXX was originally blocked, but then allowed to go through. I discussed this matter with representatives from cash app a number of times since noticing this, and they have refused to rectify the unauthorized transaction and fraud. I am demanding this to be refunded immediately before taking further action due to negligence on Cash App ( Square ) s end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NJ
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. 

XXXX XXXXXXXX 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 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. 




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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: CA
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:
equifax, XXXX, XXXX said the what they are reporting is accurate... attached is my credit report saying it's not .... obviously they didn't do an investigation because my credit report is still the same ... ... dates and amounts are wrong!! you can see it for yourself ... ..that 's a violation... let 's not waste each other 's time and correct the situation!! I'm tired of going back and forth... IF THERES INCONSISTENCIES DELETE IT! 


this is for the XXXX XXXX XXXX XXXX and account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Kentucky Housing Corporation
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Escrow account for years XXXX and XXXX have been paid late by the company, to the point of getting letters from the County Attorney. They have upped my payments and are now charging me double and more for the taxes. My taxes are {$1400.00}. Year XXXX they charging my escrow on the amount of {$2600.00} the penalty that was charged. Escrow was {$380.00} they upped that to {$430.00} plus another {$54.00} adjustment. 
For year XXXX same thing happened taxes weren't paid till XXXX and only after I called due to another letter from the County Attorney, taxes due {$1400.00}. New payments on tax bill for {$2600.00}. 
New adjustments now {$450.00} a lot of my hard earned gone due to no fault of my own. I spoke to escrow manager she said she was taking care of it. When I sent my original payment they actually returned my check because it didn't have the inflated charges in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 I was charged XXXX on my Sams club card with Synchrony Bank. I proceeded to call and find out what the charges were for. I let them know it was not my purchase. I have filed fraud charges with the cc company and every time I receive a letter saying I benefited from the purchase when I did not. The purchase was for 2 XXXX XXXX XXXX XXXX ( whatever that is ) I've been writing and calling now for almost 2 years to no avail. Now the charges are a grand total of XXXX and climbing. I have filed a police report and sent a copy to them. Have had no response. Please help. This has affected my credit and my piece of mind.

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 2022-06-13
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:
In accordance with the Fair Credit Act XXXX Acct # 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 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO 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 non-monetary relief
Consumer complaint received 2022-11-22
Company: ADP Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX ( payday ) went to use card at store and was declined. Went to ATM couldn't get money out. Called mywisely they stated they made my card inactive until I send in documents to validate, I own the account. Been using this prepaid card given to me by my employer XXXX since XXXX and out the blue they need to verify I'm the owner. Documents from the list I chose and uploaded were : stated id, social security, utility bill, payslip from employer all showing my first and last name that's the same as the name on my wisely account. Sent these on XX/XX/XXXX and was told to give 3 business days called back on Tuesday XX/XX/XXXX and was told those documents don't suffice and my birth certificate and marriage license are the only documents that can prove that I'm the owner of the account. Do not have access to these documents and no matter what mywisely continues to not give me access to my prepaid card by keeping it inactive. I tried to close the account they said I can't until I send in those two mentioned above and its now three pay periods, I have not been able to have access to the money I worked for because mywisely refuse to make my card back active. Due to this I have been late on rent and charged fees due to mywisely refusing to accept the valid documents I sent in with reference number being XXXX I had to give when uploading the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: LTD Financial Services, L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( XXXX XXXX XXXX ) has furnished ( 1 ) account on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, amount listed {$560.00}. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 
Any further contact by your Agent or Company ( LTD Acquistions LLC ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TX
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:
Re : This is my third written request To Whom It May Concern, Why do you continue to violate my rights as a consumer? 
Please open my credit file and report my credit correctly. I have sent multiple letters asking you to please open my credit file and report my credit score as of XX/XX/2023. 
It is a crime to threaten a lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail ( receipts enclosed ) requesting that you open my credit file and report my credit information correctly. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving several harassing phone calls from Pollack and Rosen I sent them a debt validation letter on XX/XX/XXXX. I received a letter back from them ( attached ) dated XX/XX/XXXX. The letter simply states who the debt is to - not Pollack and Rosen - and they included a one page copy of a billing statement dated XX/XX/XXXX. This is not validation of debt and quite frankly is ridiculous to send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have several issues with what happened. First off, I have spent over XXXX hours in total to get an answer with this and still can not get to someone to find out what has happened. 
I went in and closed all my accounts with US Bank. They failed to close the account and allowed more transactions to come out beyond the pending transations. They stated that the closed the account and I left enough money in the account for the pending transations. They failed to close the account as I had requested and allowed new transations to come out of the account. Then I was able to show them that the money that was in question of coming out was in fact not supposed to come out as I had cancelled that policy of what was coming out. This was the second time off having the account closed. Then got a letter in the mail of a discharge off of the account and this should have never happened as I proved that the money was not to be taken in the first place. Then over a month after closing my account, I find out that it had been reopened without my consent. I was now even more upset and went in to have the account closed again. About XXXX weeks to a month later, I receive a check from US Bank. I took it in to the bank and asked them about the check. I was told that it was a good a check and that was what US Bank had owed me, so I took it and deposited it into my new bank only to have a hold put on the check for a week. This check was over XXXX  dollars. Then find out that they put a stop payment on the check. I then called US Bank multiple times to find out why a stop payment was placed on this check after I went in and verified that the check was good to cash. No one on US Banks end could tell me why the check had the stop payment XXXX it and I was passed around and around from person to person and department to department. The final straw was that I was told that I had to call yet another number and that I would have to just wait on hold. This was not acceptable for me and I am tired of wasting my time with the run around that I am getting. I still have no answer on why the check was sent in the first place or why the stop payment was placed on the check.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your immediate attention a matter of utmost importance regarding my credit report. I recently obtained a copy of my credit report and was dismayed to discover the presence of a fraudulent account that has adversely affected my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXXXXXX I insist that you conduct a thorough investigation into this matter and promptly delete the fraudulent account from my credit report. Failure to take swift action will compel me to pursue legal remedies to rectify this situation, and I will not hesitate to involve regulatory authorities. 
I respectfully request that you begin your investigation into this matter promptly and keep me informed of any developments or actions that I should take to resolve this situation. 
Please communicate with me promptly to keep me informed about the progress of your investigation. If there are any additional documents or information needed from my end, kindly inform me so that I may provide them promptly.

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