BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2018-08-03
Company: Coastal Credit, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Me and my husband purchased a vehicle with a dealership that used Coastal Credit as our lenders. My husband got out of the military and we unfortunately had to leave the state and move back home which put in in a lot of financial strain. We attempted to have the car picked up in New Jersey as that is where we were located. The car was never picked up and we were continuously harassed about making payments. Fast forward to recently having to go through an ordeal with courts where we live now as they are attempting to garnish my wages for an amount that hasn't been specifically explained and documentation has not be furnished to show why that specific amount is being asked for. They were asked to come get the car and they did not do so. Instead it got impounded and then auctioned off. I am the only one working in my household right now and have dependents that depend on my checks. I cant afford for 25 % of my check to be taken. This debt is from XX/XX/XXXX and we are in XX/XX/XXXX. That is almost 7 years ago that this happened. They haven't attempted to contact and process anything until right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, an unauthorized person gained access to my US Bank Reliacard account for my unemployment compensation. It took a few weeks for me to become aware of this as my card was being declined and even though I called US Bank it took a few calls before the customer service agent at US Bank made me aware of it. My memory of that call ( which us bank says they record so it should be available ) is that the USBank Reliacard representative concluded that access to my account was gained because the unauthorized user was able to get the email address updated to a fraudulent account. I never received an email ( at my actual email address ) or text from US Bank verifying that I had approved the change and I believe that is because the change was made by a representative of us bank and not on their website. 

On that day of the call noted above, the US Bank representative initiated a claim. When I received the US Bank Transaction Dispute form by Mail, I competed it and returned it. I have not received any updates from US Bank. They will not allow me to speak with a representative in their fraud department. They know where the {$2000.00} was sent because the fraudulent bill pay was processed through their system and the details of that transaction show on my online account. I have called multiple times and continue to be told the time for a credit is 45-90 days. If this were a credit card charge that was being disputed they would put the charge on hold until the situation is resolved. In my case, it is {$2000.00} of cash stolen from my Reliacard account so I cant use that money until they come to a conclusion. 

Based on my understanding, this is a US Bank problem. Someone aided an unauthorized persons access to my account. That unauthorized person used the US Bank system to setup a fraudulent payee, setup a fraudulent payment to that payee, and process that fraudulent payment. US Bank has all of those records, records of all of the phone calls, presumably including the fraudulent call by the unauthorized persons which got them account access. US Bank doesnt need to withhold my money for 45-90 days while they investigate their internal security issues.

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 2023-05-09
Company: Block, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I have been charged twice for 3 transactions from XXXX. One was on XX/XX/XXXX ( {$98.00} ), another on XX/XX/XXXX ( {$370.00} ) and the last one was on XX/XX/XXXX ( {$110.00} ) which is a total of {$590.00}. I was notified on XX/XX/2023, that XXXX updated my 3 transactions this morning and my balance went from {$1300.00} to {$720.00} ( {$590.00} missing ). I called XXXX and they told me that they didnt update any of my transactions today and that I didnt owe anything. I spoke to 3 customer service reps that work for XXXX and they said Cashapp has been having a system issue where they are processing old transactions that are about a month old and saying XXXX is the cause. They have been getting calls for the last week from other customers with the same issue. So I called Cash App, and the first rep told me it was XXXX who never received it and thats why my money is missing. The second Cash App rep told me it was not Walmarts fault its actually Cash App. The last customer service rep I spoke to told me that it was never deducted from my account even though it was. 

Below I attached proof that not only did I pay those amounts and they were deducted out of my acct but also proof from XXXX stating that it is Cashapp 's fault. 


The screenshot of the messages I received from Cashapp let me know how much was deducted from my account from XXXX and when. The one on XX/XX/XXXX was originally {$450.00} then was updated to {$370.00}, which XXXX refunded me the difference of XXXX on the XXXX of XXXX. The screenshot of the message I received on XX/XX/XXXX was confirming that I spent {$120.00} the was updated to XXXX and they refunded me the difference. 


I also attached proof that Im not the only one missing money and havent got it back. Its all over the internet of Cash App stealing people 's money and either saying XXXX never received it or that XXXX did receive it, Cash App just never took it out of their account. I already paid for everything over a month ago, all {$590.00} worth. The issue is with Cash App, not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: First Advantage LNS 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 collection amount rereported by ( Original creditor ) : XXXX XXXX is fraudulent. I am being charged after my lease was legally terminated at the end of XX/XX/2018. This is not a loan nor back rent owed. No lease agreement with my authorization follows XX/XX/2018. 
This company files a false claim after I legally vacated the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$68000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXX XXXX XXXX Owed : {$930.00} XXXX  XXXX XXXX XXXX Owed : {$650.00} XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed : {$6700.00}

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 explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX 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 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
This morning XX/XX/2023 i have received an alert from XXXX, XXXX and XXXX XXXX of a new hard inquiry on my credit report from Capital one. I have called capital one already and my account is fine with them. So we believe that someone else has used my info to apply for a credit card with capital one using my info and i have not authorized any application or neither i have done any new application for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
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:
This complaint comes forth and I write this note to address an issue that leaves me in total confusion towards the actions of your Experian. I received a dispute response from them stating that I did not send supporting documents to my dispute of Identity Theft, yet not only did I send this information via certified mail on XX/XX/2021, I sent the same and an update of my FTC Affidavit on XX/XX/2021 via the CFPB direct portal, despite my initial appeal directly to them and my follow-up from this federal mitigating agency they continue to re-victimize and make this situation haunt my personal 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 non-monetary relief
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for validation of this account of original signed documentation of this account belonging to me. When I called and talked to them they told me that they did not have any documents of signed proof for this account belonging to me. This unverified account is hindering me from getting a Home, Employment and other assistance. 
I have sent several letters to Equifax asking them to delete this from my credit report. I called Equifax and I talked to Employer # XXXX XXXX. He stated that they do not need any proof from the original creditor. XXXX also stated that they do not investigate they only report what is being told to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

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 2023-05-30
Company: Experian Information Solutions Inc.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2018-11-01
Company: BBVA FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a checking account on XX/XX/18 under an advertising pretense that I would receive a {$100.00} bonus after I made a Bill Payment through the checking account within 60 days of opening an account. During the application process, there was a notification that said " {$100.00} Bonus Promo Applied. '' After I completed the qualifying activity, I contacted the back to inquire about Promotional payout through a secure message on XX/XX/18. I was told at that time that I would have to wait 90 days for the payout. After 90 days, I contacted the bank again on XX/XX/18 and was told that my account was not qualified for the promotional bonus and that I had opened the wrong type of checking account. This was clearly a bait and switch operation as I had received a notification that the promotional bonus was applied during the application process. I also know of others who had opened the same exact type of checking account through the same offer and they DID receive the {$100.00} bonus payout as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
15 USC 1681 b ( Permissible Purpose ) It is a violation for a company or the credit bureaus to report anything on your credit report without a written consent. I never provided any written consent to the credit bureaus or these companies to keep reporting this. It is identity theft and they have to be removed immediately from my credit file. 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

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 2021-10-14
Company: HYUNDAI CAPITAL AMERICA
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: Investigation took more than 30 days

Complaint:
I had applied for a car loan with Kia motor finance and was approved in XXXX of 2021. The car was paid off in 3 months. XXXX Of 2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XXXX. XXXX 2021. No contact no update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi I have a collection for Convergent Collection # XXXX for {$2300.00} I live in Florida and they are not license here I don't recognize the bill they are trying to collect so I did a dispute on XX/XX/23. 
Convergent sent me got a copy of a bill from XXXX. 
I sent them this letter on XX/XX/23 ( without any response ) " The bill you provided does not match my name, my name is XXXX XXXX XXXX. 
The bill you provided is not proof that you ( Convergent ) owe this debt and therefore no evidence that you have any rights to collect this debt. 
Youre not license in Florida to collect a debt. 
Your letter does not have a statement indicating that the consumer ( me ) has the right to dispute the debt within 30 days. 
You have not provided with information on how to dispute the debt. 
You have not provided any supporting documentation, such as a copy of the original contract. ''

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