BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experians investigation has not resolved an issue where my XXXX XXXX XXXX account continues to show payments past due for XXXX and XX/XX/2023. XXXX granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This organization is in violation of 15 USC 1692 Subchapter V. 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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 accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: AL
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:
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.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Block, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
woke up this morning and checked my bank account and I was not able to access it using my regular practice and routine. It asked me to log into the account and provide my password and additional verification of my identity. I thought this was odd but I know that Ive had issues with this account in the past and because I have a new cell phone there may have been some issues in the transfer. I have not had those issues in the past and Im concerned that the bank owner and application manager, XXXX XXXX  and XXXX XXXX  are fraudulently closing accounts that have been active for years before XXXX, which you can find out if you, XXXX search XXXX XXXX changes to accounts creating havoc on consumers, it appears as if XXXX XXXX and XXXX XXXX  are randomly closing accounts of consumers who establish their account before XXXX. They also changed their terms and conditions on XX/XX/XXXX, which I was not aware of except by doing the XXXX search today. I have been informed that my account has been closed due to violations of the terms and conditions, and that I would not be able to use any of the features on my account, would need to close and have all my funds sent elsewhere. I would also have all of my direct deposits, including my payroll taxes, and any other financial receiving reoccurring deposits, will be returned to the originator. All of these issues will cause a extreme financial hardship and cash app was not able to resolve or tell me what specific violation of terms I committed, I doubt that there are any violations, and that this is merely a way to dissolve my account and create a financial burden for me and my family. When I established my cash app account, I did it with a great amount of trust and consideration, but now I am being accused of a violation with no additional clarity, or reason. Ive reached out to cash app customer service, which is connected to XXXX XXXX  and have received less than supportive response. They are both dismissive and lack any clear communication about the reason behind this change. It feels like a major scam and the cost to me is going to be substantial. I have already reached out to my payroll department but I am not sure that they will be able to stop the direct deposit that is scheduled for XXXX XXXX XXXX XXXX XXXX I am very upset, and I feel compelled to share this extreme violation of trust with a Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account # XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please explain and upload supporting evidence. I have disputed this with the bureaus and XXXX directly and they have not provided proof of debt and I want this removed immediately. account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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: 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 non-monetary relief
Consumer complaint received 2020-04-27
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
Was buying a XXXX XXXX  XXXX, had full coverage also DAC, Car was totalled insurance company paid. XXXX Dac paid XXXX account was paid in full. Credit Acceptance Corp. Shows a XXXX XXXX XXXX Wrong model and reported I still owe XXXX on car plus over XXXX in intrest. I've tried working with them to correct this and remove from my credit report and have had no help in removing. The information they filed is incorrect the value of the XXXX XXXX XXXX that I owned was paid. There was no XXXX XXXX XXXX   ever owned by me their information is incorrect and false. Please help remove this from my report. The insurance co was XXXX claim # XXXX. Paid in full

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 2022-10-30
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Because of bsi financial at this time my home owners insurance policy has lapsed. I pay my mortgage payment on time every month, including escrow. They are incompetent and say they couldn't figure out how to pay my insurance ( even though i have had had multiple other mortgage companies in tge last 10 years and they figured it out just fine ) and because of this my policy has lapsed. I was never contacted once during this time as i could have easily resolved this. The only thing I received was a letter stating this after my policy had lapsed. Now with the quotes I have received so far I am out of pocket more money each month and they are unwilling to take any responsibility or make this right. Their only answer was to find another policy regardless of price by XX/XX/XXXX or they will purchase a policy for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: SYNCHRONY FINANCIAL
State: NV
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/2022 I purchased a round trip airline ticket from XXXX XXXX ( XXXX  ) using PayPal Credit financed by Synchrony Bank for myself ( {$1100.00} ) and purchased a ticket for wife ( {$1000.00} ) using XXXX  credit card. The flight is on XX/XX/2022 from XXXX XXXX ( XXXX ) to XXXX ( XXXX ) with a layover in XXXX XXXX ( XXXX ). The XXXX to XXXX flight is fulfilled by XXXX XXXX ( XXXX  ) an affiliate of XXXX. Sometime first week of XX/XX/2022, XXXX cancelled their flights from XXXX to XXXX with no other available flights that will connect me on time with the XXXX to XXXX flight. To cut the story short, after a 2 day phone tagging with XXXX and XXXX, I had the ticket cancelled instead. I filed a disputed charge with Synchrony bank since XXXX  and XXXX  are pointing fingers to each other on who should refund the money ( I also requested a refund from these two airlines ). SynchronyXXXX  kept on insisting that the purchase is legitimate and so they can't give me a credit. I told Synchrony/XXXX  XXXX I'm not disputing the legitimacy of the purchase but the services I purchased can not be fulfilled ( undeliverable services or deffective goods ) since the XXXX to XXXX  flight was cancelled and no available flight can be find on time with the XXXX  to XXXX  flight XXXX Attached is a screenshot from XXXX  and XXXX  website showing our flight from XXXX to XXXX  is still cancelled.

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 2022-10-30
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: Account information incorrect

Complaint:
THIS IS NOT A DUPLICATE XXXX keeps reporting the incorrect dates on my credit report. I surrendered my lease on XX/XX/2021 but they say I was late in XXXX and XXXX of XXXX and XXXX of XXXX, payments that never happened, while I was on time on other payments that I was late on. 

Please see attached payment schedule of all payments made FROM XXXX that lists actual payments made that do not list any payments due on those dates and show correct late payment dates, as well as letter from XXXX showing when car was surrendered, as well as photos showing correct payment reporting. XXXX TransUnion is incorrect. 

This is an FCRA violation.

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 2023-05-03
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am a XXXX XXXX  XXXX resident. Received this week a lien on my account for {$1000.00} for an amount due to XXXX of {$5600.00} for a XXXX DEBT apparently. I have not had a XXXX account in over 20 plus years yet they were able to get into my account without a legal document presented to me. This morning XXXX XXXX XXXX put a double lien on my account for {$9800.00}. I had less than {$4000.00} in my account. Now I can not use my banking account as it is blocked and overdrawn for {$9800.00}. I have asked the law firm Pressler, Felt and Warshaw to provide back up documents and have not heard. They said they had to ask XXXX. They should have had this already if they put a lien on an account. They claim to have had this since XXXX. Even if there is a debt it is way beyond the XXXX XXXX XXXX  Statue of Limitation and they refuse to hear this. They simply say pay the debt. I will not pay on something I do not remember. 

I have no records dating back 20 plus years. I want my account restored but XXXX XXXX XXXX who says I have to resolve it with the suing law firm. The law firm refused to work with me. I would first like to complain about the credit collection agency that after 20 years want to put this into collection. 

Company submitting the lien is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Affirm Holdings, Inc
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Affirm claims that I opened a loan for a purchase that was made on XXXX ( {$860.00} ). I make all my purchases on XXXX with my XXXX account and there is no XXXX record for that amount on the date in question ( XX/XX/XXXX ) or any other date. I have used Affirm on XXXX prior on other occasions and have always made my payments. I did not make a purchase on XXXX for that amount and did not apply for a loan. I submitted my fraud claim to Affirm on XX/XX/XXXX. I received a follow up email on XX/XX/XXXX that it would take them up to 30 days to respond. I received another email on XX/XX/XXXX that they were denying my claim and I was responsible for the loan. I followed up with phone calls in XX/XX/XXXX but was told that they would not change their decision unless I came up with more evidence. I'm not sure how I can have evidence of something that I didn't buy and have no record of on XXXX? It is clear that someone used information that I had previously provided to Affirm to open this account. Based on the little information that they have provided me to deny my claim, I suspect that their data protection procedures are severely lacking. I have tried in good faith to work this out with them but they don't seem interested in the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
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:
i tried a whole bunch of times to resolve this problem all they did was resolve the bottom of complaint and delete 5 inquirys from my report they didnt do what i requested and provide me with signuture or proof i got something in regards to inquiry like XXXX  XXXX who has a bunch of inquirys on my report and yet i only have 1 card from them not 6 in regards to inquirys they made

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-04-11
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation