BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This morning cash app claimed they detected fraudulent activity on my account and they locked the account. I have repeatedly spoken with support telling them that all the transaction were done by me. They refuse to unlock the account for XXXX to XXXX hours pending an investigation. They are withholding my money, against my wishes and refusing to acknowledge that I have taken responsibility for all the transactions. This has been my second complaint against them in a month. I hope you will help me resolve this so I can just close the account. How do they just get away with withholding a persons money and leaving no option or recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: CA
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 was notified that I was a part of the XXXX Equifax data breach. I was promised free credit restoration services for 7 years, and I have not been able to receive the service. 
2 ) Items I don't recognize on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I can not talk to anyone at experien credit reporting agency. They have no way to talk to a real person. I have filled a dispute at their sight and no response. I have tried to get through their phone tree but I can not get to a real 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 2018-04-12
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2017 I was hospitalized due to old military XXXX XXXX issues I was un aware va would not cover the hospital visits I have tried to work with the company and the va and I just am going threw medical issues and financial Hardship at this time and can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: VA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, L ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I received a cashier check from the US Bank. The check was sent to me in a response/compensation for a fraudulent activity that happened thanks to the US Bank. I already made a complaint about US bank not handling the fraud that happened to me in a proper way ( complaint # XXXX ). Basically, the manager of tellers of the US Bank in XXXX IL at XXXX XXXX XXXX released my money at the counter on XX/XX/2019 to the unknown person. I do not think at that time the bank nor XXXX ( the teller ) handled the security of my account properly. My money from the account were withdrawn by the fraudulent person. The investigation started. Till XX/XX/19 I had no compensation from the bank, no emergency funds were given to me. Once the investigation has finally closed, I received a check, BUT the check was made to me and my father ( who was authorized on my account ). My US bank account is currently closed and was closed due to security reasons before the investigation ended. Before closing my account I specifically asked if closing the account will make any problems with getting a return check to me. I also asked If my check can be made to ME only, as my father does not live with me. Again, Everyone stated there will be no problem, as I will have a cashier made out only to me. WRONG. I got a cashier check made to me and to my father. I was told by US bank that I can not cash it at their bank ( XXXX XXXX XXXX XXXX XXXX ) as my father 's signature has to be on it. They also told me they can not issue me a new check made out only to me. Even though I am a primary holder of the account. The fraud department also told me they can not issue me a new check made out only to me. It is hard to believe, that it was easy to release my money to someone at the local brach, but as a customer of the bank is so difficult to receive my money back. It is the most unprofessional and untrusty bank I have ever dealt with. No one is held responsible, and I am spending countless hours calling, visiting banks and losing my personal and professional time from work.

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 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: ID Analytics, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received letter from Sagestream llc, containing fraudulent claim that I have an account with XXXX XXXX XXXX as well as indicating very low credit score with that company. This notice did not make any sense due to I have never opened an account with above mentioned company and very well aware that I have much higher credit score. Couple of weeks prior to receiving this fraudulent notification, my personal account had unauthorized charge of the amount of {$470.00} by XXXX XXXX XXXX. I was able to stop the payment and straighten up the issue with my bank, however, after receiving fraudulent notice from Sagestream llc, it became clear that this is not only big scam establishment that purposefully lower peoples credit scores to assist banks obtain higher interests on loans/deny loans ( as evidenced by countless customers reviews as well as filed law suits ), it looks like those scammers are also provide personal information to companies to create unauthorized accounts and make unauthorized bank transactions. Be aware, that Sagestream llc has an official website where they have an audacity to offer to opt-out of their services by submitting an electronic form where you asked to provide all PI information. I have not enrolled to receive their services in the first place. Never heard of them prior the incident either. Most certainly not providing any of my PI in any shape or form. This scam has to be stopped immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXXXXXX XXXX remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
The Federal Fair Credit Act promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Target red card is reporting inaccurate information regarding payments and closure dates. Attached is all the documents supporting my claims. Contact Target spoke with a supervisor # Taps ID # XXXX on XX/XX/2021 paid in full and closed the account! She refuse to provide me with proof! Contact Target again supervisor XXXX # XXXX on XX/XX/2021 ask her to provide proof she refuse! Target refuse my rights as a consumer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NV
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 on the FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!

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 2021-12-15
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: AR
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:
This is a formal request to you that I would seek for your assistance in correcting the accounts but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$50000.00} XXXX  XXXX Balance : {$810.00}.

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 2023-08-04
Company: EQUIFAX, 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:
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 Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that Flagship Credit Acceptance has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

Flagship Credit Acceptance is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. 

I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that Flagship credit Acceptance have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. 

Please take this matter serious and I look forward to your respond.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NY
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 want to open a new account at XXXX  XXXX XXXX, but was unable to do so because my Experian credit report was frozen. I contacted Experian, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my Experian credit report is frozen. 

I don't know whether the problem is with Experian or with XXXX  XXXX XXXX, but I am at my wit 's end. 

Please help me resolve this problem

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 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I made a {$300.00} payment to Capital One for my credit card on XX/XX/2021. Capital One took the money from my bank account but didnt apply it to my card. I called and asked what was going on and they said there is a 26 day hold on the payment. I asked why and they said they didnt know. They said that holds like this usually occur when a there has been a late payment, a returned payment or if the funds were paid using a new checking account. None of these apply to my case. Ive been a Capital One customer for 13 years and have never been late, nor have I ever had a returned payment. I pay my card off every month and have been using the same checking account for years. They could not provide a reason for the hold and I can not use my card now. They took my money and didnt provide a service I paid for. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NY
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 is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation