BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: CT
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:
Greetings, In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account number : 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.

I CAN PROVE I WAS DISCOURAGED TO PAY WHILE IN THE DISPUTE PROCESS.

I CAN PROVE I WAS DENIED ACCESS TO THE ACCOUNT TO RETRIEVE DISPUTE UPDATES AND MAKE PAYMENTS. 

I CAN PROVE XXXX TOOK ACCOUNTABILITY FOR THE MISHANDLING OF THE DISPUTE. 

I CAN PROVE XXXX PROMISED TO REMOVE/ CORRECT THE NEGATIVE REMARKS. 

I CAN PROVE XXXX RENEGED ON THEIR ACCOUNTABILITY AND RESOLUTION AND WITHOUT MY CONSENT AND DECIDED TO CREDIT ME FOR LATE PAYMENTS VS ADDRESSING THE VERY DAMAGING AND INACCURATE REPORTING. 

I CAN ALSO PROVE THAT I WAS COERCED TO MAKE A PAYMENT ON XX/XX/31 AFTER I WAS LIED TO ABOUT CORRECTIONS THAT WAS SUPPOSED TO BE MADE AND THAT PAYMENT STILL DID NOT REFLECT ON THE REPORT. 

DESPITE MY FAMILY PURCHASING A VACATION RENTAL DESCRIBED AS MODERN W/ *PRIVATE* POOL & JACUZZI, I CAN PROVE XXXX FEELS THE HOST IS ENTITLED TO BE PAID ALTHOUGH THEY ILLEGALLY RECORDED MYSELF, HUSBAND & XXXX MINOR CHILDREN. 

XXXX XXXX ALSO WAS USED TO PAY FOR PART OF THIS BILL AND THEY DETERMINED THE OPPOSITE. 

XXXX HAS MADE ME A VICTIM OF THEIR UNFAIR PRACTICES AND POLICIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hello, we are sorry to contact you in this way. I contacted you via email but received no valid reply or no response at all. I found out that the account has been deactivated and bank transfers have been suspended for XXXX. I have completed the cooperation with the information request. Your promise to your clients is that you will review accounts within 1-2 business days and release funds within 90 days. Deadline XXXX Why havent I been reviewed or proactively contacted by email so far? Have my unfrozen funds been unfrozen? You delayed the review until now. what is the reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I did not receive any information regarding owing the original creditor or collection agency. I receive so many Robo calls I'm unsure if at some point if that is how they attempted to contact me. I had XXXX in TN but paid upfront for the cost. I received notification that I was being sued by the collection agency in the state of XXXX where I reside. This particular collection is also not listed on my credit report so I did not know this was something I needed to handle. They are staring that I am accruing interest daily and I am struggling with inflation and XXXX kids already. Please assist on how I can handle this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-25
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My complaint is against cash app. Or square inc . 
On XX/XX/XXXX I was incarcerated. Being pulled over. Because my vehicle was on private property they did not tow it. 
On XX/XX/XXXX my car was broken into and the criminal XXXX XXXX stole my cash app card. He then used it for multiple purchases exhausting my money on the card of {$470.00} I noticed this when I logged back into cash app after being released from jail on the XXXX. I immediately started disputes. Due to the fact that I didn't have my cash card I can not access my email address associated with the account. I also didn't have the phone and number associated with my cash app. It would not let me log in. I have called and emailed cash app several times and each time they go through the whole process until the very end where they tell me they're going to try a one time money transfer between my existing and current accounts. ... They always come back to say due to security reasons we can not grant you access to this account. And when asked why? they say unfortunately we can not provide me with any further details. And that's all that happens. I have tried explaining to them I have tried to prove it to them with different information and they still can't help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-12-24
Company: Century Credit & Collections, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have submitted a complaint about Century Credit and Collections before and They wrote a poorly worded response back and now CFPB won't let me answer the response. I will take this opportunity to respond to the lies Century Credit and Collections wrote about me. 
I will not repeat why I made a complaint but basically, they added charges that were unfair and when asked to remove those charges I was threatened with being reported to the Credit bureau. A representative from this company responded to my complaint by saying that when I called them to ask the charges be dropped I said derogatory things. This is LIE. What did I say? I would like the representative from Century Credit and Collections to please answer what I said Because I was very respectful and wanted to resolve the problem as soon as possible. This company will lie and bully you and there is no one to help. I will continue to spread the word and complain to anyone who will hear me until this bullying is stopped. The Company did in fact report me to the credit bureau to hurt me even after I paid for the debt in question.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TN
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MI
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 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 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient is charging me XXXX a month in interest. I have asked for a COVID forbearance and they increased my loan interest from 4 % to 8.25 %. It consolidated my Stafford loan into a private loan. None on my loans qualified for 0 % interest. It is unwilling give a a student loan forgiveness, even though I XXXX  in XXXX  XXXX. When I have asked for help, they raise my payments. I have been making payments since XXXX  and I believe some of the loans were almost paid off until they consolidated them into bigger loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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 am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account corrected : 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 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I mailed letters out certified over 30 days ago and have not been notified. as a consumer I feel like this unacceptable, these companies are is blatantly ignoring and taking advantage of normal people

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$1100.00}.

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 2023-05-02
Company: EQUIFAX, INC.
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:
My equifax account shows information of someone else. The address XXXX XXXX does not belong to me. The phone numbers does not belong to me. Accounts and inquiries dono belong to me. I contacted equifax several times and its been three years XXXX  i came to XXXX but equifax claims that information is all mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I checked my account online on XX/XX/19 and notice XXXX debit card transaction that I did not make. I called Regions ' Bank XXXX Customer Service Dept. The associate review the transaction and advise me that my debit card was compromised, she then immediately closed this card and is re-issuing another card with a new pin. I went to the local Police Dept. to file an official report and my wife went to XXXX 's Bank to see if we could get this reported to them and our money back. The customer service representative stated the items were in a pending status and there was nothing she could do until they post to the account and we could be looking at XXXX weeks. The fraud caused all of our money to be taken as well as future XXXX  deposits from my vendors. I had planned a trip for my grandson this weekend as he is turning XXXX XXXX XXXX and have never been to XXXX. I have gotten absolutely NOWHERE with Regions, just there is nothing we can do. I told them that if the items are still pending, why can't they simply not pay them against the account. This is XXXX items totaling {$2800.00} and I have a total of {$280.00} in XXXX charges so when my XXXX deposit of {$2400.00} post to the account, because it is overdrawn it will absorb this money as well. The Tropical Storm is approaching and I don't have money to buy gasoline and Storm necessities. This is just wrong, that a financial institution can't do anything. I was told by customer service at the XXXX number, that they just missed this fraudulent transaction, because I did ask if they had anything in place that alerted them of out of country transaction. She further stated that perhaps I could " get a loan ''. I just need satisfaction of this most unfortunate issue.

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 2019-07-12
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company Midwest recovery systems. Months ago there was collections placed on my credit report by a different company. The amounts had already been covered by insurance. But a clerical mistake caused them to bill twice for multiple amounts. These amounts were from XXXX to XXXX. Beyond my states statue of limitations. The company before Midwest made threatening calls and after reporting their Behavoir and the company acknowledging the debts were not accurate the closed all accounts and they were removed from my credit report. Now it seems one of the same amounts from one of those accounts has been sold to another company even though it had been recognized as inaccurate and closed. I am hoping this is resolved quickly as I am receiving harassing calls that I have avoided so far. I dont think that its right that debt has been paid and mistakes are made then I have to deal with multiple collections over and over for the same amount that has already been acknowledged as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased a new truck from XXXX XXXX, it was financed by WFS FINANCIAL, Soon after Wachovia Bank purchased my contract, I paid as was agreed on the original contract, then Wells Fargo Bank, purchased Wachovia Bank with my contract, then Wells Fargo Bank, as I was paying as agreed on the contract, Wells Fargo Bank repoed my truck, and sold it...

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 2021-08-17
Company: EQUIFAX, INC.
State: NY
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: LFG Data Services Holdings, LP
State: VA
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:
This is pertaining to a bankruptcy that I filed in XX/XX/2018 and the case was closed without a discharge but XXXX continues to report inaccurately because they say their third party agency LCI CONSUMER CENTER is providing this information so I filed a dispute with LCI through email as I was advised they sent me an email stating that it was in fact inaccurate information but nothing was done or fixed in regards to this I will be attaching court documents to verify my accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX h

as 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 2023-09-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is reporting inaccurate information on my credit report. They have continued to publish a wrong addresss on my file for years. They ignore letter and disregard my attempts to resolve matter

Company response to consumer: Closed with explanation