BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TX
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Square Inc. Refuses to return my money. I did not authorize any transaction where all of my money would be taken, who would? I had to file two complaints. The second complaint was resolved first and faster than the first complaint. I'm currently getting replies with copies of their policies. At first, the replies asked for more verifications. I've have never received help from this company, within days and weeks of them taking my money, they never helped me. Now I'm getting policies! Within days and weeks of me contacting them through customer service, they never helped. I wanted to have access to my account through their app and I just got the run around. And now they take all of my money. I need to know who is the right person that needs to hear my case? Who understands that since they never helped me to begin with, why should they keep my money? I have paperwork flooding with verification after verifications. I did everything they asked me to and still get nothing in return and loss more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have sent out a dispute letter to 2 credit bureaus ( Transunion & XXXX ) to remove inquiries I never applied for on XX/XX/ and XXXX continue to have all of the fraud inquiries on my credit report and Transunion have removed some, but not all inaccurate inquiries on 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 2023-06-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX RV so myself and my family can move to XXXX in XXXXXXXX XXXX. 

On Wednesday XXXX XXXX XXXX in XXXXXXXX XXXX told me I was good to get {$50000.00} XXXX credit after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked RV for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These RVs usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, XXXX  XXXX or XXXX  in XXXX, XXXX  XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or RV to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXX XXXXXXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged XXXX for my XXXX subscriptions. Then the subscriptions were removed so I paid but cant watch XXXX live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
--

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a customer at XXXX with account number XXXX, on which I added my ex-husband. He obtained a line in his name and provided his ID and SSN, but for some reason, he has taken the phone and denied paying his bill, so XXXX has reported me into collections to pay my ex-husband 's bill, which has now amounted to {$1300.00}. I am devasted and need your assistance, please. XXXX acknowledges they made a mistake because the accounts were separated after the divorce. please help

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 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX  I purchased 2 flights from XXXX XXXX which totaled in the amount XXXX for the two tickets. The purchase was approved since I had more than enough funds in my checking account, and they naturally put a hold on the XXXX until the funds were taken out, although it immediately affects your available reflects on your available balance. XXXX actually took out the funds, the transaction for the 2 flights tickets posted as XXXX separate transaction $ of XXXX, the hold for the XXXX still as a pending transaction. According to XXXX customer service there's nothing they can do that's it's on the bank to released the hold since the money for the flight clearly came out of my checking account. Capital one saids that's there's nothing their can do that's it's on the merchant. Going back and forth between the two entities the message was that there was nothing they can do .... Those XXXX pending transaction that will take 4 business days to post XX/XX/XXXX ( after XXXX ), send my checking account available balance on the negatives, and has force me to live my life using credit until the XXXX pending transaction falls off my checking account. As ordinary I shouldn't be held responsible, and be force to live on credit possible negatively affecting my credit because capital one does not want to removed that pending transaction which I already paid for. In another word, as of this moment the reality is that I've been charged twice since the pending transaction is a charged. It doesn't make sense, that two giant companies can take my hard earned money, and leave me with an overdrawn account, living on credit, effecting my credit scores while they both do nothing. I spent a couple hours doing research and this is an issue common which people has been dealing for over half a decade and is unacceptable. I should be reimbursed every dollar I'm forced to used out my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed the Transunion requests to validate the debt on XX/XX/XXXX on XX/XX/XXXX. I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.

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 2021-08-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously wrote to CFPB in reference to credit reporting. They made so made errors, they had me living in states I have never been in. Equifax is the worst. I wanted to temporarily unfreeze my credit report for a loan. They could not verify the information I gave them and would not unlock my report. I was reading the information from my online account. Which is outdated, items from 30+ years ago I could not remember for verification. Although I read the information from what was on line. They initially gave me a pin number, which they say they do not use anymore without telling the consumer. I gave them my address and social security number, etc and they could not verify me with that information. They also wanted me to send a photo of my drivers license, via my phone, which is absolutely insane, with so much info being tracked, etc. and scamming going on. Asking me about accounts that have been closed for 20 years. Nothing pertinent to verify my accounts in recent years. 
Spewing nonsense about how much did I pay a month, how many car loans, when was the last time I unfroze my account. Im not a computer, I either do not remember, and/or they have the wrong information that is not updated. I tried 3x and they would not unlock my freeze. Which has hurt my chances of getting a loan for a car, etc. To remember various account from years ago is ridiculous. They should go back and simplify their way of unfreezing your account, updating information and stop putting the REAL person through the ringer, like I am a criminal. Use more pertinent questions, and have people who understand the language better. I am livid and I am thinking about getting an attorney. I hope CFPB can help before I initiate that process. If they do this to me, they do and have done this to others. The first time I contacted CFPB was either XXXX. 
or XXXX 2021. Now it is XXXX 2021. Nothing has been accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity was stolen and accounts were fraudulently opened

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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.

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 inructions 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-08-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express has established an extra account under my name which I have never used. 
They claim I have made payments on this account but I have not. I only made payments on a card I authorized but not the account they are referring too. 
Now they are claiming late fees and impacting my credit score. 
My bank has stated they do not show any proof that I paid for that account from my account. 
American Express continues to say i made payment but will not provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TN
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:
I did not give authorization to have any of the following names and addresses furnished on my credit report. Please block and delete the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX My only name is XXXX XXXX I am a very private person. 
My only address is and should be XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX. 
Anything that says otherwise does not belong to me XXXX XXXX the natural living person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: CA
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:
I mailed oFf a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I placed live bets all last week through XXXX XXXX XXXX  and was suspended from the app with money in XXXX XXXX and no reason provided. My account was closed at XXXX while games were on and I had my money in their account. I contacted Chime and they said I can't get my money back even after I showed them proof of loss due to being suspended with no reason provided. This has me furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: LA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-30
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-02-07
Company: EQUIFAX, INC.
State: AZ
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Xtreme Products LLC
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:
Requesting for the block/removal of ( 2 ) fraudulent items from my credit report. Here are the details : Date of Discovery : XX/XX/2021 Account # 1 Amount ( {$20000.00} ) Account # 2 Amount ( {$3400.00} ) Actions Taken By Me : - Filed Federal Trade Commission ( FTC ) Identity Theft Report - Filed Local Municipality Police Report - Contacted both Credit Reporting Agencies in which the items were reported ( XXXX XXXX ) - Worked with XXXX to successfully remove items in XX/XX/2021 - Put in Dispute with XXXX on XX/XX/2021 2021

Company response to consumer: Untimely response
Consumer complaint received 2021-08-27
Company: AmeriHome Mortgage Company, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We started with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was via check that never made it. So we submitted payment over phone to our mortgage company XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds have not come back to our account. We had to submit another ACH for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome stated they required to send the payment back on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. 
Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage is now being transferred as of XX/XX/XXXX, less than a year of being with AmeriHome. If our mortgage is transferred without getting this payment refunded we fear we will never get this money back. The mortgage company is being extremely uncooperative and we need help.

Company response to consumer: Closed with explanation