BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX BANK XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 saw a collection from XXXX XXXX XXXX drop onto my credit in XXXX, XXXX for a XXXX XXXX Debt that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with Transunion through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, 7 yeas later.

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 2019-07-06
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a Debt on credit report in collections from Abitity Recovery Service. I have never received anything from them about this debt. Now it has been placed on credit report and I have taking a bad hit on scores.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XX/XX/XXXX {$1700.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} Sent letter to company confirming the violations committed by saying I owe alleged debt

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 2023-11-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
18 USC 8 states the U.S is responsible for All Debts. Why then are these agencies fraudulently reporting debt against me without written consent? Every company I did business with has an XXXX # and everyone of these companies has me listed as an employee up under there companies why then am I not receiving remittance wires of my securities interest coupons to my TDA accounts? These companies with there Zero percent certificate of Indebtedness is why these securities fraud continues. Only the original creditor can make you pay but when the servicing rights are transferred no payment are dues in accordance with the law. This is a violation of the Securities Act, breach of fiduciary duties federal reserve act 29.

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 2023-07-05
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used Cashapp with no issues for quite some time. on XX/XX/XXXX, I accidentally requested a refund of funds I paid someone using cashapp in the amount of {$300.00}. It must have happened with Cashapp open on my phone in my pocket. Cashapp removed the funds from their account but did not return the funds to me. I still had to repay those funds to the person whose account it was removed from, without question. Currenlty, it says " pending, will refund by XX/XX/XXXX. Cashapp closed my account within one day of the transaction. When I contacted Cashapp, multiple times, one agent said that if they cance your account while money is in the transfer process, it suspends the transfer. This is a known issue according to the agent. They refused to give a reason why my account was closed.This was recorded and can be pulled from Cashapp customer service. They then escalated me to a supervisor who refused to help in any way and would only refer me to the bank the deposit was being sent to. He could not have been more rude or unhelpful. I can forward the email thread, if they like.The bank, who I have used since XXXX, has no knowdlege of any pending payments. As of right now, Cashapp has {$300.00} of my money, which is a lot to the average person to just have stolen from them by a company and told where to go. They knew it was going to happen and that they could keep the {$300.00}. They do it all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXX 's system. XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I sent a letter requesting a security freeze on 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 2023-10-04
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute for the fraudulent charges on my Chime account for {$2000.00} I told them one of my phones and bag with id and some cards had been stolen when car got broken into. The denied my dispute right away and didn't even have time to check anything if they would have they could have seen it was fraudulent and the person was not me and I did not authorize anyone to use or make any transactions. Nor did I give my pin out. I asked numerous times for the info they used to determine this And they sent me just the list of my disputes that I had disputed that's it no reason or why they said no error occurred. I have since filed numerous rebuttals and almost immediately they send me a email saying it's been denied and that's there final decision that no error occurred when it in fact did because I didn't authorize any of the charges I disputed. I asked for information how the determined no error occurred numerous times and they never could give me a reason that would answer why I keep getting denied and also they said I gave my card pin out when I never said that they completely lied and none of the answers come close to the questions they asked me and what I answered I tried calling ane emailing them telling them that I never said any of that and they ignored me completely and wouldn't change it. I honestly just want the money that was Mine back they also say they talk to other financial institutions to determine outcome I also included one from my other bank that agreed with my and refunded my money that was done from unauthorized transactions on my accounts and told them it was crazy my other bank believed me and refunded my money but CHIME would not and it was not fair I'm out this money that been stolen. I just want them to do the right thing like XXXX did and give me my money back that I didn't authorize anyone to use or didn't give my pin out. CHIME KNOWS WHAT THEY ARE DOING AND THEY WONT EVEN GIVE ME ANSWER THAT MAKES SENSE HOW THEY DETERMINE NO ERROR OCCURED WHEN IT DID! IVE BEEN FILING REBUTTAL AFTER REBUTTAL FOR MONTHS AND ALMOST IMMEDIATELY AFTER I FILE THEY SEND EMAIL WITH NO REASON FOR THEM TO DENY MY DISPUTED TRANSACTIONS ALSMOT IMMEDIATELY AND ITS NOT OK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-11-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX  XXXX XXXX has fraudulently reported and sold my personal information to Credit reporting agencies and Wells Fargo & Company and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.

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 2023-04-19
Company: Spring Oaks Capital, LLC
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 obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. 

Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the XXXX plan via the XXXX website in early XXXX. The XXXX website says my application has been processed by EdFinancial, but I have received no information regarding my application or its status by EdFinancial. I have called multiple times and left my number for a call back, but EdFinancial does not call back or pick up the phone. Their online chat feature is also unavailable. I am not the only person having this issue. It is unacceptable that we are expected to pay incorrect amounts of money to EdFinancial when they are unwilling to respond to any form of communication. I should not have to pay incorrect amounts solely because they will not answer the phone.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-05
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XXXX XXXX I received a Venmo transfer of {$2500.00} and I didn't know the person who send it I advice Venmo officials that these money is not mine and I would like to return the money but after I notify Venmo the money sent was for me and when I try to make the homey out my account if frozen even if I verify my self and upload my driver license till date my Venmo account is frozen and I wouldn't make any withdrawal or money transfer I need my account unfrozen and I would like to transfer the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CL Holdings LLC
State: NC
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:
On multiple occasions, I have asked that this debt be verified as mine and neither the company nor credit bureau furnishes proof that said debt is mine. This debt does not belong to me and should not be reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HARVEST ASSOCIATES INC is attempting to collect debt not owed to company. I have attempted o contact numerous times via phone, letter and still refuse to remove debt from my credit reports. This company is stating I owe {$1900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly requesting from Lexis Nexis to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, XXXX and XXXX all continue to verify this bankruptcy all siting that Lexis Nexis their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor Lexis Nexis, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

Lexis Nexis does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore Lexis Nexis is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
US BANK I'VE HAD 3 ACCOUNTS ALL ENDING IN ACCOUNTS WERE COMPERMIZED ... MONEY DIDSAPPEATED... 

UNEXPECTLY AND UNKOWING OF CREDIT CARDS MONEY WIRES AND. MONEY GONE IN FRONT OF MY EYES..I KNOW I DON'T HAVE GOOD CREDIT BUT US BANK HAS CREDIT CARDS AND LOANS AND BUYING CARS ETC. I NEVER EVERY KNEW I HAD .. AS I SEE WHERE MY SSI CHECKS DEPOSITED INTO MY ACCOUNT DISSAPPEARED SEE FAST ARE I GOT IT... SO.. BESIDES MY 3 COMPERMIZED ACCOUNTS TOTALING {$45000.00}. Closed my account for no reason Unexpected credit card and others a total of {$19000.00}.

Ya so I'm hurting.. And they don't care ....!

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$940.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not 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 explanation
Consumer complaint received 2021-01-13
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have late payments on my mortgage They never helped 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