BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022, I filed a dispute against a debt with XXXX, original owner, XXXX XXXX closed the account & sold it to XXXX. On XXXX the XXXX 2022, I received a alert from XXXX XXXX informing me that my credit score had dropped XXXX points. This was supposedly due to a remark that XXXX XXXX had placed on my file. I contacted Equifax and they informed me that the investigation had not been finalized, and NOT AWARE of any remarks XXXX XXXX placed in my file. I IMMEDIATELY contacted XXXX XXXX again to inform them that they have no evidence to lower my credit score and that they acted prematurely. The only response that I could get from them was to refer to my file and read the remark.1 ) XXXX XXXX had no communication with Equifax and made a decision with intent to negatively impact my score. 2 ) XXXX XXXX used unfair practices which will bring a negative impact to my borrowing power and reduce offers I am currently receiving. I will be subject to higher interest rates and fewer loan approvals, etc. 3 ) I have disputed this SAME debt with Equifax for over a year as " Not being mine/no knowledge of account/someone with similar name and NEVER impacted my score. 3 ) Equifax had a data breach and refuse to acknowledge that in this situation. This " remark '' ( falsehood ) has been hidden and XXXX XXXX will note reveal it too me. Please assist, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a 100 percent XXXX XXXX veteran as proven by the attached document. Ally has been trying to bully me into paying them more money after we already finished the lease agreement as everything showed a paid in full on my credit reports. Keep re-ageing the account and adding false information to the CRAs that I now owe them over XXXX! Previous credit reports showed that this was paid in full, now they are trying to push me to accept paying them an installment loan for debt that is not mine. Its very weird behavior. They have had the car for more than 4 months, now they come trying to scare me into giving them money. The keep harassing me with letters and have even called me, texted me and sent emails. I have no further business with them and wish to receive relief from these predators. They are affecting my already diminished health. I have not seen a bank so determined to exploit someone. Its almost like they don't know that I am educated in XXXX, and have excellent XXXX skills. I am exhausted with their harassment and I need relief. 

Also it should be updated to show that I was never late! They knew this and agreed to correct it during COVID! My identity was stolen and one of my accounts were closed. I was in the hospital for 4 months outside of the country. They understood that Federal law allowed for relief but decided to not be compassionate with me and update this account as they have done for others. I hope its not discrimination! 

Please have this bank stop trying to use consumers as a tax payer funded bailout! 

I am begging Ally to please cease and desist. Please delete this record, and do something else to try and fix your financial situation. Stop trying to take from poor and XXXX veterans! 

What you are reporting is not accurate! I never gave you permission to report it! There is no written signed agreement with a wet signature that you can provide showing that I agreed to whatever you all are trying to do now, 4 months after we concluded business.

Pleas escalate this to a manager and I pray he or she has compassion and just stop this. I am not well and can't keep dealing with this.. please!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 received a 1099 in 2017 ( included in this complaint ) for an outstanding balance on a timeshare. The balance is {$9100.00}. I paid taxes on this amount. However, Trans Union is still reporting this account as a repossession with a balance of {$9100.00}. This incorrect reporting is costing me my chance to refinance my mortgage. I need this updated or deleted immediately. I am not sure if the issue is with Trans Union not updating properly, or XXXX not reporting the correction to Trans Union. Please see attached documents.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I PAID {$15000.00} TOWARD MY XXXX CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY XXXX CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. XXXX REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW XXXX IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO XXXX MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may 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 2021-04-05
Company: FC HoldCo LLC
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX. XXXX, 2020

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 2022-09-17
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/22 at XXXX, I used the chase bank ATM ( XXXX XXXX XXXX XXXX to pay may credit card balance. After I inserted money, I heard it was counting th bills but it came out the receipt without completing the payment. ( The money was not returned ). And the ATM showed that the machine couldnt accept cash anymore. From the receipt, it said that there was a problem so I had to contact the customer service. 
I called and explained about the happening, and he said he would put some credit until they investigate it. But I didnt count exact amount of the bills, so I told him that it would be about {$860.00}. Because I remembered there were at least 40 {$20.00} bills. He asked me some information from the receipt ( terminal number, sequence number, exact time ), and he said he could see that I put my credit card in the ATM from log but couldnt find how much I put in. 
A day later, {$860.00} was credited and nothing happened until XXXX. But on XXXX, the credit was removed and I got a letter that saying they found an credit error so they removed the credit. 
I went the branch ( same location as ATM located ) and talked to one of workers, and she called somewhere about 30 min. And she said the claim was declined because they couldnt find that I put the money after investigation. And she said I had to send a letter the chase card seevice to reopen the claim. 
I called customer service again, I explained whole story, transferred 3 different representatives. And last representative ( I guess he was a manager ) checked everything, but couldnt answer clear solutions. And he said he will give another credit and XXXX submit another claim for me. 
When I called right after using ATM, the representative said they would investigate it so it wouldnt be any problem, and the correct amount would be adjusted. 
There are security cameras ( even on the ATM ), so they could check I put the money in the machine. Also, after they checked the ATM, they could find the over collected amout of money. So I thought they could find how much I put in the machine easily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-18
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:
After doing careful research reading the FCRA laws XXXX, Equifax, and XXXX  are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: DISCOVER BANK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX  account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid discover credit card off, I have proof of payment and they will not update my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: AZ
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 {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

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 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 2019-08-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS is the mortgage company. I know they have class action suits against them, so they are obviously doing things illegally. They have had money in escrow for a year and a half and have released part of it, but they are continuing to hold a little over XXXX saying a certain percent of completion of work from storm damage hasn't been done. Some of the items they've said were not done have been 100 % complete. They sent my loan in for foreclosure while at the same time holding over {$30000.00} in escrow. I've called numerous times and keep getting the run-around. They can't seem to answer why they are keeping my money. Can you help? I think they're doing everything they can to hold my money as long as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23, at approximately XXXX, I was attempting to increase my weekly cash in limit on Cash App for investment purposes. One of the first search results on XXXX was linked to a supposed customer service line for Cash App, which was a fake support line. Upon speaking with the representative, they instructed me to sell my investments in order to increase my cash in limit. This was understood to be a requirement in order to reset the weekly limit on my account. I only agreed to do this because I believed it was the valid Cash App customer support line. They ultimately remoted into my smartphone through the XXXX XXXX XXXX access app, stole all of my money in the account ( ~ {$8200.00} ), and then wiped all of my data including account statements, transaction history and tax forms. Once my money had been stolen, they disconnected and hung up the phone. The number they used is ( XXXX ) XXXX. 

Once I identified the fraud, I immediately contacted Cash App to alert them of the scam and notified them that I did not intend to authorize this transaction and it was done under false pretenses. However, upon reviewing my case they quickly rejected my claim and said that it was authorized when it was clearly fraud. I also attempted to inquire about them pulling my transaction history since it is inaccessible to me, and they indicated several times that it was not available. Currently they are refusing to provide a refund for the stolen funds from my account, have again rejected my claim, and are not providing me any supporting documents or transaction history of what occurred. 

I have now lost all of my funds in my account, I am not able to gain access to my transaction history, and have no tax forms for any prior transactions. I find this unacceptable that the company is unwilling to seriously consider my claim given I have provided sufficient evidence of the fraud, and that they seemingly have no backup information tied to my account that they are willing or able to provide me. It's very frustrating as a consumer that this company seems unwilling to help and doesn't seem to have any information I feel I am entitled to as a customer. 

My claim number with Cash App is XXXX for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital system is reporting a debt no validated and it out of the statute of limitation. The agency is violating the FCA and they need to take this bad debt out of my credit report. I will report also to the XXXX  if this is not removed is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a debt popped up on my credit report so i went to locate the crediting company to contact them and when i contacted them i was being screamed at by collection agency procollect in XXXX XXXX XXXX. # XXXX XXXX, texas. XXXX saying i owe a debt but wasnt explaining the debt of where i owed from just saying has has my number now and would be calling everyday. Im unaware of this debt and Ive been a victim of identity theft several times and need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: SC
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 am behind on my loan at XXXX XXXX. I am not 30 days behind and plan on paying the installment when I receive my next paycheck. The company decided to do a hard inquiry on my credit for some reason. They said it was because they wanted to see if I was eligible to redo my loan. I did not want to redo my loan. I only want to pay it off in the time allotted by my loan agreement that I already have. In short. They did a hard inquiry on my credit without my permission. I am trying to improve my credit but, of course, they knocked my score down with a hard inquiry. 

XXXX XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation