BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-06-29
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Cashapp withheld and applied money sent to me by a friend through their app to purchase something for the person. 

I have and outstanding balance on the app, which I pay from my personal checking account. Apparently cashapp is now withholding any funds that passes through their system, without prior authorization from the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.

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 2023-06-29
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i see below charges on my account. some of them were fraud. I reported those and amex paid me back. But i see one charge that was paid back. what was that? could amex provide me exact transaction and order number for that XXXX order? 

also they should explain - why they dont have any way to submit email complaints? dont they value our time and expect us to call them? Other banks allow private messages but amex doesnt. 

XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$35.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$32.00} XXXX SHOP WITH POINTS CREDIT XXXX2019 XXXX SHOP WITH POINTS CREDIT - {$25.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA - {$0.00} XXXX - XXXX, WA XXXX2019 XXXX - XXXX, WA {$35.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$25.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$32.00} XXXX SHOP WITH POINTS XXXX2019 XXXX SHOP WITH POINTS {$35.00} AUTOPAY PAYMENT - THANK YOU XXXX2019 AUTOPAY PAYMENT - THANK YOU - {$34.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX 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 2023-06-29
Company: WHEELS FINANCIAL GROUP, LLC.
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:
800 Loanmart is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Upgrade, 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Resurgent Capital Services L.P.
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I went on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate. Having incorrect information can hurt my chances for upcoming approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021

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 2023-06-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I attempted to purchase clothes from a merchant on XXXX. It turned out to be a scam. Not the merchant being represented on XXXX  page. On the same date : I immediately attempted to cancel order, I then called Elan Financial Services to block purchase and cancel credit card. I was told a provisional credit was issued. Elan sent inquiry form, which I filled out and returned. I then received a letter dated XX/XX/2023 stating that my dispute was denied because I had not contacted the merchant. On XX/XX/2023, I called and spoke to a supervisor, who said the account specialist would call witihin 24 hours. No call was received. I sent a letter detailing what I had did and stating that no goods were received ( per e-mail from merchant, goods were delivered to XXXX on XX/XX/2023. ) I again requested to hear from the account representative, and asking for support for Elan 's decision. I followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX, again asking to speak to dispute representative. Both times receiving promises of a follow-up phone call. On XX/XX/XXXX, I received a second letter from Elan stating the dispute was closed out and the charge would stay on my bill. I sent a second letter, more detailed, and demanding a response to my attempts to resolve this. No response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I want you to update this account as I am never late in this account.

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 2023-08-31
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
i open citi bank check account online # XXXX, i deposited my pay roll check of XXXX on XX/XX/2023, 2 days later i lost the access to my account. few days later i received a letter of the bank like the found will be cleared on XX/XX/2023. I try to access the bank account and i saw a block account message. I called the bank and they said i deposit a fraudulent check. i called my boss i told him about the situation and he send me a bank statement like the citibank cleared the check or has the money. i called back to citibank and they said my account will be close because i did a violation to the bank rules. after 2 weeks i received the letter. i called back the citibank and they said the check is a fraud. i call my boss and he said citibank has the money no my bank or me. i went to my boss bank XXXX XXXX and i spoke with XXXX XXXX, she call to citibak fraudulent department and informed the check is good and they have the money. I never received a phone call from citibank during 4 days and i don't have access to my bank account. i called to citibank and they said the founds are freeze. i spoke with the citibank fraudulent department and they said they dont have the money but i have a bank statement with the founds in the account still there. Citibank make me a big damage with this action because i lost my job for this, 2 i reuest a familiar loan to pay my bills, until todays i dont have the money or any aditional notification from citi bank . They are playing with my life. please i need you help on it.

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 2023-06-29
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXX XXXX XXXX XXXX You : {$17.00} XX/XX/XXXX XXXX XXXX XXXX You : {$19.00} XX/XX/XXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXX XXXX XXXX XXXX You : {$50.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXX XXXX XXXX XXXX You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$34.00} XX/XX/XXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$28.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$29.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$1.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$40.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$4.00} XX/XX/XXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$27.00} XX/XX/XXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$23.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$58.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$2.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$99.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$95.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$33.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$20.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$130.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  You : {$110.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$10.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$25.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$220.00} XXXX XXXX XXXX XXXX You : {$170.00} XX/XX/XXXXXXXX XXXX XXXX XXXX You : {$5.00} I filed a dispute for all these transactions and let the representative know that I don't do business with this merchant. I had my debit card deactivated and replaced as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Radius Global Solutions LLC
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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2023-05-16
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 XXXX XXXX XXXX Account # 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

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