BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
Hello, This is the fourth or fifth time that I must contact this agency to fix the issue. This is not customer friendly or consumer-oriented. The company 'XXXX  XXXX XXXX illegally opened two accounts in my name instead of one. Proceeded to split charges between two accounts, while only sending paper statements for one. Represented that the account was fully paid off with a credit limit of {$1000.00}. Meanwhile, the other account was overdue with a credit limit of only {$300.00}. The website they provided to the consumer was NOT operational and the consumer could not log in. The consumer sensed something was wrong and submitted numerous tickets through XXXX XXXX online portal to alert the company that the user could not log in to view statements and that only statement of {$0.00} due was being sent. Finally, the consumer called 'XXXX XXXX XXXX to find out what is going on, at that time XXXX XXXX has finally admitted that there were two accounts and one was past due collecting fees well beyond the credit limit. The consumer paid off the actual amount due for the item purchased and refused to pay the late fees due to the illegal practices of the company and misinformation. The consumer also requested that all of the accounts be closed immediately. 

The company 'XXXX  XXXX XXXX, instead of waiving fees, recorded the account as 'C/O ' at {$480.00} and stated that they are the ones that initiated the account closure. Not only that, but the company 2 years later are also still reporting this account as 'C/O ' misrepresenting that the card is open/active. 

The company 's XXXX XXXX XXXX ) justification for this illegal practice was that it provided consumer statements via email. The consumer has provided copies and documents of these emails which contain no statement information. The only information they contain is a link to the account with verbiage that the statement is ready. This does not provide any indication to the consumer about any issues or amounts due. 


At this point in seeking resolution for over two years, my rights as the consumer have been severely violated by damaging my credit score and continuously reporting erroneous information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
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:
I closed on a mortage In XX/XX/XXXX with Cardinal Financial ; I sent off my mortgage payment off in the amount of {$1500.00} every month on time ; Sometime in XX/XX/XXXX I received a notification on my credit monitoring ( which I get every 3 months due to plan I elected ) stating I missed payment for XX/XX/XXXX and XX/XX/XXXX and was 60 days late. I called Cardinal Financial immediately around XX/XX/XXXX to address the issue and found out the mortgage company switched end of XX/XX/XXXX to XXXX XXXX  XXXX which I was never informed. I informed rep I had my money order receipts showing I paid XXXX, XXXX and XXXX rent on time ; She did research and called me back XX/XX/XXXX ; during that time, a XX/XX/XXXX late had reported to my credit making it 90 days past due ; She stated she would put account in deferment status, adding late payments to back of loan and making account current again but takes a few days to setup ; A few3 days turned into weeks so around end of XXXX early XXXX, my account was current again due to their negligence to inform me that company switched yet I received no money orders back at that time ; fast forward to XX/XX/XXXX, I finally received all money orders back after providing proof and tracing through XXXX and seeing they were uncashed and sitting somewhere undeposited. My loan is now in current status but 4 late payments are ruining my credit and my ability to purchase an investment property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
XXXX ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-08-30
Company: EQUIFAX, INC.
State: FL
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:
The accounts are not belong to me. 
Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Bread Financial Holdings, Inc.
State: FL
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:
My XXXXcommenity credit account has been paid off since XXXX and they have not reported since XXXX. I have called multiple times and have not resolved the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was in receipt of money to purchase a XXXX gift for myself from loved ones on that day. Since I already use a marketplace to find deals on legitimate items users don't need anymore, I decided to look for a a pair of XXXX XXXX headphones for personal usage. I found a listing and the user stated the item was legitimate and was still in the wrapping provided from wherever he purchased them from. After, contacting the user, I was able to solidify a time to come and see the item. After looking at the item, it looked legit and proceeded to provide the information through CashApp to provide the funds for transfer of goods. When I arrived home, I unraveled the item to only find that the headphones were not legitimate, as there were many flaws with the item. I proceeded to instantly dispute the item on CashApp, XXXX and contact the seller with all the flaws and demanded an exchange of the said item. He was responsive up until I sent over the proof, in which I was not given a response. I requested a refund from him through the app and he declined it that same day. CashApp declined my request for a refund on the XXXX of XXXX and XXXX declined my dispute on the XXXX of XXXX stating the transaction was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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.

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.

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 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had been through a scam and filed multiple claims as there were multiple transactions and as of right now two of them have been rejected as they have gathered evidence that it was not a scam. I was lied to about receiving tutoring and a software which then led to extortion. These scammers also lied about being in the country. The officer I am dealing with confirmed to me that they are using fake phone numbers to contact me. I have the surgeries involves as well. The two that have been rejected are for {$450.00} and {$360.00}. I am XXXX and I was scammed.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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 XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX 's Account # XXXX Account Name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
this has been going on for years and i recently just paid XXXX $ to see if comenity bank would leave me alone but now its worse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

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 2020-07-31
Company: Eastern Account Systems of Connecticut, 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:
Eastern account system has an account on my credit report that does not belong to me. Enclosed is the copy of the complaint and account information that I sent to Eastern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my 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 2023-12-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Best buy citi card {$3000.00} balance when my credit limit was only {$2000.00} also I was incarcerated for a large portion of the time I was " spending '' and refuses to remove the delinquency of my account from my 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 explanation
Consumer complaint received 2023-05-26
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There has been fraud or a baking issue with the app called Cash App Tuesday morning around XXXXXXXX XXXX. I made a transfer from my savings into my account of XXXX dollars following after I made a payment at XXXX at this current time. I had {$500.00} in my savings account. Around XXXX XXXX Tuesday morning I received a deposit of XXXX. Following that deposit, I made a transaction into my savings account of {$700.00}. At this time I noticed that my savings account didnt update or calculate my total finance adding up to which should be {$1200.00}. My account was never updated, so I removed the money that I added noticing that there was no change I took all the money out of my savings into my account to see if the current calculations were correct. At this moment, I noticed that they were not my account was only updated to XXXX. I reached out to the company. They repeatedly told me that they have no further information that they can not access it. The correct information to even help me the manager of the company and I only talk to you via email.

Company response to consumer: Closed with explanation