BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: AAS Debt Recovery, Inc.
State: PA
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:
A certified letter was sent to AAS Debt recovery Inc for debt validation. I requested the following information from this debt collector .Name and Address of Alleged Creditor, Alleged Debtor, Alleged account number, date the alleged debt became payable, amount of alleged debt, date of original charge or delinquency and contract of debt. This collection agency has not sent me anything to validate this debt. I am demanding this account be removed from my credit report as it is damaging my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: United Debt Counselors, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am contacting you on the subject of a letter I received from UDCAmericas. The reference is XXXX. This letter states that it is a final attempt to contact me regarding the adjustment of my credit account. The leader is designed in such a way that it leads me to believe that a failure to call them will result in financial issues. 
I have no issues on my credit card accounts, no debt due. This is just a tactic used to extort money from some people. 
I wish that that they remove me from their database and stop using such aggressive and forbidden marketing tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
On XX/XX/2020 I Dispute this account to XXXX, transunion, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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.

I would like to know who did they talk to and How did they complete this investigation.

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 2021-11-10
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
- CashApp is the name of the service.

- They offer " Boosts '' which are basically deals on their account that take a percentage off a certain merchant.

- The Boost/deal I applied to my account says in the terms ( see attachment ) that it can be used every day. 
- The deal mentions XXXX 's XXXX online purchases using the Cash App card get 10 % off up to {$20.00} off and the deal can be done for multiple days, every day. 
- I did this deal on Monday and it went through okay and cash app credited me back 10 % of my purchase. 
- On Tuesday, I went to do this deal again because it says it can be done every day. 
- Before I did the deal again on Tuesday, I messaged their chat support PRIOR to doing the deal to ask if " Every day '' is considered 1 time per calendar day -or- once every 24 hours. 
- The chat agent told me to " just read the terms '' and nothing else. So I read the terms and they said, " Every day. '' - I tried to use the deal for the 10 % off on XXXX. I spent {$200.00} and expected to get {$20.00} back ( 10 % off ), but I was denied that 10 % off, yet the transaction went through at full price. I messaged the CashApp customer service through their chat feature, but they told me they would not honor the 10 % off or credit my account. 
- If a doctor tells me to take a pill every day, I will take a pill every day. If a doctor tells me to take a pill every 12 hours, I will take it every 12 hours. So how does Cash App believe their terms are true?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 frustrated to see Transunion stall the removal of the item I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking for proof of documents bearing my signature to prove the Credit Bureau claims that the disputed item belongs to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions but filing a lawsuit against Transunion and sue them for the damage taken due to their incompetence. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunionis neglecting to process it to the letter of the law. Please see what they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please eliminate this damaging data immediately. 

XXXX XXXX XXXX XXXXXXXX ....

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To whom this may concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.

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 2023-08-04
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency. 
I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding.

Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Shows incorrect account for XXXX XXXX under TransUnion in account that pays paid under hunter warfield

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 2022-12-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank - XXXX XXXX Rewards XXXX They failed to properly apply a {$820.00} payment. My bank XXXX XXXX XXXX XXXX XXXX and I have provided the elecontronic transfer thru bill pay. I have repeatedly contacted Comenity they deny saying never had previous calls never received requested information. XXXX has replided 3 times to an address Comenity provided. Still no credit and no refund this has been on going for 5 months see documents. Comenity has no record of the phone calls or the requests or the written documentation. They have no email and no fax #. They are defrauding me of the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX was notified of a debt collection from Synchrony Bank in the amount of {$10000.00}. The concern was noted as fraud and determined to be identity theft from a woman living in Illinois. Fraud dept had sent her invoices which she did attempt to pay, but then stopped while she was going through a divorce. 
My original account was closed by Synchrony and then somehow merged with this other woman. 
1. I have never lived full or part-time in the state of Illinois 2 . I have never been legally married 3. My credit score is currently XXXX with no outstanding debts or concerns 4. I am financially able to pay this debt, but it is not mine Over the course of the years, each time a collections would send me a letter to collect, I would work with their fraud department. Each time the fraud department would close the account and then sell to the next collections agency. 

I have now received a civil court case notification in the state of Wisconsin. I have contacted a lawyer and reaching out to credit centers for additional support. 
Thank you.

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 2022-05-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have unauthorized charges of {$49.00} coming out of my account monthly. I told the bank that I am unaware of this company. I've tried to contact the company listed on the transaction but have received no response. I filed a formal complaint to the bank and asked them to block the charges in XX/XX/2021 but was denied. I changed debit cards in XX/XX/2021 however, the bank still allowed the company to take money from the new card. To date the unknown charges are still being taking from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27
Company: EQUIFAX, INC.
State: OH
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 was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: RI
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 recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT

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 2023-05-11
Company: Experian Information Solutions Inc.
State: IN
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT

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 2018-11-19
Company: Selene Finance LP
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinance my mortgage with Selene Finance in XX/XX/XXXX. About the same time I received my 100 % VA XXXX rating. I sent them the info and the letter from the township verifying that NJ states that I am Property Tax Exempt. it took them about 3 months to update their records and refund me the escrow for my property tax. That decreased my monthly payment by about {$450.00}. Everything was fine until XX/XX/XXXX. I received a escrow analysts from Selene stating that I owed property tax and increased my monthly payment over {$600.00}. I called Selene on or about XX/XX/XXXX. During the call I was transferred to their Escrow department. While talking to the individual he stated that they received a property tax form from my township and said that it stated that I owed property taxes. The individual then called the my township on three way with me who then informed the representative from XXXX that if he simply looked at the second page, he would see that I owed {$0.00} in property taxes and as a 100 % VA rated XXXX veteran my property taxes were waived. Once we hung up with the township he said that he would update their file and forward with in there system and I should call back in a week to verify that everything was resolved. I then called back onXX/XX/XXXX and was told that it was still in work and expected their system to be updated any day because they had to perform another escrow analysts then to call back in a week to see if it was complete. I then called back on XX/XX/XXXX because I was ready to pay my monthly payment but it was still showing the higher monthly payment. Once again I was told that it was in the works and should be fixed any day now and give them another week and it was okay because I was not late on my payment until the 15th of  the month. I then waited untilXX/XX/XXXX to call back. this time I was told once again that their system should be updated any day and to just pay the extra amount and work it out later. I told the individual that I did not find this acceptable and I would like to speak to a supervisor. Once I was on the phone with the supervisor they told me that they had 30 days to re-accomplish another escrow analysts and that my only option was to pay the higher amount and then later dispute the charge and request a refund. I stated that how could they insist on charging me more money, when they were the ones that made the mistake by simply not looking at the whole bill and then make me fight them to get my money back. I was ready and willing to make my normal payment that I had been paying for the last year but they refused that offer. I refused to make a payment for the higher amount and now they are reporting me as being late on my mortgage. could someone please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXX XXXX, it is plainly stated that 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 XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon possible : 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 non-monetary relief