BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: FL
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/

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 2022-04-10
Company: Financial Management Solutions, LLC
State: MD
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 a follow up to complaint # XXXX. 

FMS informed you all that the account I've been disputing since XXXX would be updated by XX/XX/XXXX to state included in bankruptcy with a zero balance. 

In reviewing my credit report, they still reported a balance and never made good on their word. 

This is fraudulent and defamation of my character as they're continuing to report false information about me. 

Attached is a screenshot of the XX/XX/XXXX reporting.

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 2019-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I submitted dispute information to Equifax which included police report along with a copy of my driver license and Social Security card as identification. A week later I received a letter asking for these same identification items again. 

On XX/XX/2019 I submitted copies of the first police report with a copy of a new police report and again attaching my driver license and Social Social Security card as requested. 
On or about XX/XX/2019 instead of getting an update I once again received a form letter dated XX/XX/2019 ( attached ) requesting copies of my driver license and Social Security card which I just sent them a week prior. 

On the XX/XX/2019 I submitted a copy of my FTC Identity Theft Report ( attached ) with copies of my driver license, Social Security card and my most recent light bill only to get another form letter dated XX/XX/2019. ( attached ) instead of getting an update on my file. 

This is a ridiculous amount of times I have had to submit my identification only to have to produce it again and again when it is in their hands. I am a XXXX XXXX XXXX woman with limited income and resources to be able to provide these things. ( Attached is the FTC Identity Theft report with the two most recent form letters from Equifax both received within the past few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX by XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Block, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In mid XXXX I was hacked on XXXX  and then able to access cash app in whichi had XXXX took and them showed XXXX  refunded it but never did when noticed all the stuff going on I logged into cashapp and took raining XXXX and had it sent back to bank. Which they show it was sent but I never received and they denied my refund. They have no info from there side to match my proof. It seems like they have perfect scam u give them Ur money they hack your account then when try get them to stand behind the actions they deny it if that's how allowed to do it then I want everyone give there money to me so I spend it and then say not my fault it is gone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Bread Financial Holdings, Inc.
State: CT
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:
My grandson purchased a {$50.00} XXXX XXXX gift card with cash at the XXXX, RI XXXX on XX/XX/2023. It would not activate, I tried repeatedlt to contact XXXX XXXX to no avail. I searched on line for XXXX XXXX  card help. I called the number and the man I spoke with said he could help but he would have to put the credit on my XXXX account because my grandson ( XXXX yrs.old ) was a minor. I agreed to that. I gave him my XXXX account to do that. I repeatedly asked him if he worked for XXXX. He replied yes each time. 
Then I see several charges on my XXXX XXXX card in the amounts of {$100.00} and {$99.00}. I called the credit card company immediately. They agreed that the suspicious charges totaled {$1000.00}. XXXXis the name of the merchant making charges on the account. I also received a call from XXXX XXXX notifying me of suspicious charged. They resolved the issue ( credit and new cards ) within XXXX hours. I looked further and they also made charges on my XXXX credit card. XXXX responded the same as XXXX  ( resolved within XXXX hours ). XXXX was also hit for {$300.00}. They contacted me and immediately reversed the charges through XXXX XXXX for that amount. XXXX XXXX XXXX is still dragging this out for 2 months. The amount remaining is {$690.00} Fraud is saying it is a dispute and dispute is calling it fraud. I have spent several hour over these 2 months tring to resolve to no avail. I also made the knowingly futile attempt to complain to XXXXThat is why I am asking for help from a higher source.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX  XXXX XXXX  L Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX 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 an account without my written instructions

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 2021-02-09
Company: Revolut Technologies Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A {$15000.00} transfer was sent to Revolut on XX/XX/21 from my XXXX brokerage account. They asked for a statement from XXXX which I sent within 1 hour. They later asked for another statement from my source of income. I sent them my XXXX statement showing my income. They then threatened to close my account and stole all my money. Revolut claims the {$15000.00} was " reverted '' but it was never returned to XXXX. This company is a total fraud and should be shut down and the people responsible should be put in prison for life.

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 2023-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote XXXX, Equifax and XXXX on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account is stating incorrectly previously reporting account as collection/derogatory both at the same time with a balance of {$410.00}. There is no way that account can be in derogatory if its in collection already And stating incorrect date less active and date last reported along with date open. Account has too many in accuracies already. I disputed account with XXXX XXXX and XXXX as I do not recall having this account open yet results came back incorrect. Results to my dispute came back stating account open when previously was in collection. How can that be possible?! Payment history was previously not reporting and now experian is reporting consecutive charge off as if it was some sort of payment method payment can not report on a dead account. Date last active is reporting as XX/XX/21 with XXXX while date open is reporting as XX/XX/21 this is a total mistake. There is no possible way that account has recorded the day last active before the account was even open.!

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 2021-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 had an auto loan through Capital One and made biweekly payments through automated withdrawals from my account. I made a payment on XX/XX/2021 and a week later I was in the process of trading in the vehicle. The dealership paid the car off on XX/XX/2021 and received the title on XX/XX/2021. Capital One then reported me to the credit bureau with a Late Payment in XXXX XXXX dropped by credit score by XXXX points. I have spoke to several representatives who indicate that they did not report me but it clearly shows on all 3 of my credit report. I have called numerous times and it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with XXXX, Transunion, and XXXX. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number 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
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is 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 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 2023-01-06
Company: Roadrunner Account Services, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a repossession a number of years ago and XXXX owed on the vehicle. The company came and took the vehicle. I asked what i owed and no one can give me an answer. There is a charge off on my credit report for XXXX but they have since sold the vehicle so its my understanding that what i owe is the XXXX minus whatever they sold the vehicle for. No one can look up my information on the vehicle or tell me what it was sold for. They only ask me to start making payments on the XXXX. I have tried disputing the account with the credit bureaus to get at least the total corrected or the account removed because its being misreported but haven't had success. Please help me anyway that you can. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since loan inception - XXXX XXXX, I have made every payment on time, and most times paid additional principal along with my regular payment. I did not set up auto pay because I would pay the additional principal every month and I would vary the amount based on the extra cash I had on hand. 

In XX/XX/XXXX I became very ill with XXXX and forgot to pay the mortgage payment that was due on XX/XX/XXXX. The late notice was issued on XXXX XXXX XXXX and I paid the late payment the day I received the notice on XX/XX/XXXX, along with {$300.00} in additional principal. I also set up auto-pay immediately so this would never happen again. 

I contacted Rocket Mortgage to request that they remove this derogitory mark from my credit report and they would not. I asked to speak to a supervisor and was told there is nothing they could do. 

If they would have sent me a late notice in XXXX ( instead of XXXX XXXX ) I would have paid it immediately and could have avoided this problem entirely. 

I also want to mention that prior to this one late payment, I had paid in an additional {$2700.00} in additional principal payments during XXXX. Couldn't this extra money that I've been sending over the years be viewed as an advance payment in some way? 

I need to move from my home residence and recently found a home. Unfortunately when I contacted the bank for a mortgage today, I was informed that this one late payment makes me ineligible for a mortgage. They suggested I contact the lender and ask them to remove the late payment from my report.. 

With all the accomodations that were made during the XXXX pandemic, all I am asking is that this temporary blip in my credit report be removed so I can go on with my life and my plans to relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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:
I was a victim of fraud and made a police report and I have disputed more than 15 accounts that do not belong to the 3 credit bureaus but I experience it is the only company that has not eliminated these accounts, I have been sending you a police report for more than 6 months personal information and they say they can do nothing if the creditor does nothing and that the creditors confirm that it is me. I have called the creditors but they say that they do not receive anything from Experian to dispute the account and that they do not have to certify to Experian that I am the owner of the account because they do not have a photo of my ID or any contract. This is hurting me and experian is not complying with the processes established by law. All the representatives give me different information and no one wants to help me

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 2023-01-06
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from Speedy Cash who already was paid in full directly. XXXX XXXX needs to be removed from my credit file immediately upon this information. I do not owe XXXX XXXX any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an XXXX XXXX XXXX with the XXXX living in XXXX, Ga. I was on orders to deploy to XXXX in XX/XX/XXXX and gave the proper 30 days notice to my apartment complex. My orders changed and had to send me to XXXX two weeks earlier than planned. It took a little while longer to get my orders back to the apartment complex due to the moving around and issues with deploying. Once I got them the orders they had already sent my remaining balance for leaving two weeks earlier to the debt collector, IQ Data XX/XX/XXXX. I tried to give the debt collectors all the information but they would not leave me alone or dismiss the debt until I gave them a no contact order. In XX/XX/XXXX/ XX/XX/XXXX I was successful in removing my debt from XXXX  and XXXX  XXXX At this time XXXX and IQ Data both remain steadfast in not acknowledging the documents per the Military Clause in a renters agreement contract. I will not pay this debt since it is unjust and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief