BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am looking over my credit report and I see that the alleged account below is on my credit report. Are you aware that Pursuant to 15 USC 1681c no consumer reporting agency shall include the name, address, nor telephone number of any medical information. Yet your company continues to report this alleged information to my credit report. Please delete the following alleged account as soon as possible as it not only violates 15 USC 1681c, but also 15 USC 1681b as I, XXXX XXXX did not give your company written instructions to include this alleged information. 


XXXX XXXX XXXX XXXX Account # XXXX I have included my license for identification being that you have my alleged personal information in your system WITHOUT my consent you should be able to verify me with the identification ( my license ) that I provided.

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 2021-03-15
Company: Continental Central Credit, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill for XXXX from Continental Central Credit , Inc supposedly for XXXX XXXX. I called this collection agency and they do not answer their phone. I called XXXX XXXX and they said I have a XXXX balance and will be sending me a statement. The hospital where I receive XXXX XXXX was hacked and medical and personal info was taken. I think this is a scam so they could get a small payment and then use this info to drain my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX and Experian credit reports do not show the correct balance that I owe with XXXX XXXX XXXX. I would like them to please update their records accordingly. 

In addition, Experian and XXXX do not allow me to put a consumer statement on my report and I would like the following statement to reflect on my Experian and XXXX reports : The reason my credit history has late payments and a couple of cards have charged off was because my mother was diagnosed with XXXX at the time and I had to take care of her. I had to pay for bills along with medical expenses for her because she could not work. I am currently trying to rebuild my credit as she is XXXX free now.

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 2023-09-22
Company: EQUIFAX, INC.
State: GA
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 explanation
Consumer complaint received 2023-10-05
Company: Uplift, Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is following an attempt by Uplift in collaboration with XXXX XXXX to defraud a customer for services they did not provide. I had filed a complaint against uplift in 2022 for a full refund of the money I paid to them for service that was never received after a representative of XXXX XXXX misplaced the birth certificate of our daughter jeopardizing our planned vacation trip. To add salt to the wound, Uplift did not only refuse refunding the money we had paid to them, they are attempting to ruin my credit by sending the balance to collection. This is nothing short of a mean and heartless set of individuals out to rob united states citizens of their hard earned money and credibility. Uplift, through a collection agency known as XXXX XXXX XXXX, reported a balance of {$780.00} after withholding over {$1200.00} that should be refunded. This credit reporting has caused damage to my credit score and it is affecting me negatively which goes to buttress the reason for filing this complaint as this is a mean-spirited move by uplift and all involved to further ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a paypal 2 % cash back master credit card, and because it offers 2 % cash back of any purchase without limits so I make almost all the purchases with this card. Because the credit limit on this card is low, and I contacted the agent and was told I can make the payment before the due date so that I will have the credit available once my payments get posted to the account and I can continue to use this credit card. So on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I made 3 payments, and contacted Paypal to see when my payments will be posted so that I can get some credits available to use on this card, and was told the last payment would be posted on XXXX. Today, XXXX, I got a call from a third company that I set auto payment with this paypal credit card and said the transaction was failed, so I called paypal. I was told my account was closed on XX/XX/XXXX because of the irregular payments ( without my authorization ). First of all, the payments were made with the same bank accounts and second, I notified paypal those payments and asked for the posting dates. Now, because they close the account based on their term, I lost all the rewards which I kept saving for long time and never redeemed which is at least {$1000.00} and get late charges because of the autopayment set up. I was told they can close the account anytime without verifying with me with 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 explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-27
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an account with the prepaid card App " revolut '' They asked for ID verification I sent them my ID, Front and back, Proof of employment, My federal tax returns, Etc After jumping through hoops, 1 more request after another, endless documents requested. 
Then they still decided to close my account anyway. 

Fine. 

That's their right. 

But now there is absolutely no possible way of contacting them. 

There is no contact email on the website, the only option to contact them is through the app, only after you login. 

But since my acc was closed, my login no longer works, so I can not login. 
please, I urge you to look into this. 
This company still has a relatively large amount of my money that was in that account, And since the time they closed it, the IRS claims to have sent both the 2nd and 3rd stimulus payments into that same account. 

PLEASE help me to contact this company, and PLEASE investigate this so it doesn't happen to others. 
This is literally a scam fake bank. 
Fraud company

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 2023-11-22
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, i tried to withdraw money from an atm machine with my debit card, but the atm said that it was an invalid card and took the card. I called US Bank to inquire why i couldn't withdraw money from my account, and they told me to go and see a branch manager the next day. I went to see the branch manager and she said that they have placed a hold on my account. She has emailed the bank to inquire but the hold, and they are not responding to her. And everytime i call to see how i can get my money, they tell me to go and speak to the branch manager. It's been a week now, and i don't have any money on me to even get gas to go to work. I have told them to close the account and give me my money, they say no. I don't know what to do again.

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 2023-05-15
Company: DISCOVER BANK
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving multiple calls a day from Discover. Would call once from the main Discover Finacial number. Then would receive mutiple calls from other numbers and robo calls also trying to get me to answer or return a call to Discover trying to sell a credit card that I fell behind on. I did answer two of the calls and when I did they immediately tried to transfer me to Discover financial collections department. Discover would continuously contact me about 4 or 5 times a day 7 days a week. This went on for just over three months. The calls started when my account went delinquent after losing my job. I was unable to pay and as soon as Discover ended up suing me all the calls suddenly stopped again. This is a deceptive technique to reach me and a violation of my rights. I am considering suing for violations of the fdcpa as the calls totaled around 420 calls in just a 90 day period from Discover. No one should have to put up with a company acting this way towards its customers or any consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: NY
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, car was broken into and my docments was stolen and i atthached the police report made by the following companies 1=XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I opened an account with Square on XX/XX/XXXX to receive payments from clients and verified all the information requested. When I received a payment from a client, Square held on to my payment and asked me to verify myself which I did using my ID. After successful verification Square kept on holding on to my funds informing me after multiple queries that it was reviewing my account. When I threatened to file a complaint with XXXX  and the FTC, Square sent me an email in the afternoon of XX/XX/XXXX, today, stating that the review was done and my account was now active. Of note is that I was never informed that my account was made inactive! Even after the review despite charging me for a same day release of funds Square refused to refund the fees for having held on to my funds for over XXXX  days and still refused to release the funds to my verified bank account at close of business today which is set for XXXX XXXX XXXX. In plain words Square has stolen my money and has charged me for a service it did not provide. I want Square to be shut down/ sued by Federal authorities for fraudulent practices. I want my funds released to my verified account immediately and all fees to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On Friday XX/XX/XXXX of 2022, I got an alert from XX/XX/XXXX that there was a hard credit pull filed by a company known as XXXX. I have never used or interacted with this company, as I didnt even know they existed until I saw them doing a hard pull. My credit score dropped over 70 pts for a hard inquiry from a company that I dont even know. 

I also received a notification from XXXX XXXX (XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ) that TransUnion incorrectly performed a hard credit pull XX/XX/XXXX, and it is now showing up on all three of my credit scores. I have attempted to contact both XXXX XXXX, TransUnion and XXXX, but the phones are either down, busy ( wait over 3 hours ), or a recorded message. I have work, so I am unable to sit on hold for 3 hours. 

This is especially bad for me, as I am in the process of acquiring a mortgage loan for a new build house, and any major ding on my credit score puts my loan in jeopardy. I have reached out to my mortgage loan officer to inform her of this and I am waiting for a reply.

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 2022-02-16
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: Account information incorrect

Complaint:
On my Equifax credit report, under my XXXX XXXX XXXX  account. Incorrect remarks were added with a false statement that was not reported by me. It seems that XXXX XXXX XXXX  placed these inaccurate remarks, which caused my credit score to be severally affected. I did not open a dispute regarding my XXXX XXXX XXXX  account balance being Paid In Full in XX/XX/2022 with Equifax. I did not have any problems with the fixed rate. This seems unfair and severe to deduct some many points for an incorrect Remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN : Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX  XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-10-20
Company: Mr. Cooper Group Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Earlier this month ( XX/XX/2023 ), I received notice from my mortgage holder, Rushmore XXXX XXXX, that my loan was being switched to their servicing company, Rushmore Servicing Corp. Nothing changed about my account, it is still in good standing, except my loan was assigned a new loan number. This is simply moving my loan to a different arm of the same company. As a result of this arbitrary change, XXXX reduced my credit worthiness by XXXX points to a XXXX credit rating because it says my loan was closed! 
My loan was not closed, merely transferred to another part of the same company. 

This can not stand! I work hard to keep my credit rating in the Good range and this arbitrary change or miscommunication between the lender and credit rating service unjustly penalizes me. 

Please see that this is corrected as soon as possible. I need the good credit rating I earned to continue uninterrupted. 
Thanks for your assistance. 

The notice from Rushmore Servicing states, " To help you get settled in, there will be no late fees or negative credit reporting during your first 60 days with Rushmore Servicing. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/20, I wrote disputing these inaccurate items I just discovered on my report. I recently pulled a copy of my report after being notified my information was impacted by the XXXX data breach. To this day over 60 days later I still haven't received information on the status of your investigation. I starting to feel like Im just another number caught on a hamster wheel. Im asking you to investigate these inaccurate and erroneous items and delete if you can not verify these. I have enclosed the items again for your assistance.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
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 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 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