BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
EXXXX 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 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.

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 2023-06-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Went to branch during business hours XXXX Fri XX/XX/2023 to receive certified check for car purchase. Check needed same day as purchase was for Saturday which was out of state. Flight was purchased for {$1000.00} to deliver certified check and drive back car for Saturday. Bank had no way of transferring money to other accounts, withdraw money to cash, or wire money to different account in my name in order for me to complete the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Sentry Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While a tenant of an apartment building in XXXX, I moved out pursuant to rental agreement and paid 100 % of all bills. Thereafter, they reported me to a debt collector for outstanding water bill for $ XXXX for the month AFTER I left. I was told to contact the owner via a specific email address. I did contesting the bill as invalid, $ XXXX was not close to actual water bill and I had moved out. I never received a response. 

Instead, debt collector - Sentry credit - reports {$100.00} in collections to credit bureaus ruining my credit. They only sent a letter to my XXXX address that they knew I had vacated in XXXX ( that was the entire bill to begin with, was for moving out ). I have documentation that bill is under dispute, and even the owner admitting that it was invalid. 

Sentry credit never notified me of the debt, they sent a letter to an address they knew I had long vacated. They knew the debt was under dispute. Today, they aren't fixing the credit damage caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: NV
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 been calling the major credit bureaus XXXX XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: IL
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 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 items 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 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My credit score dropped XXXX points today. I want a clear explanation and resolution as to why my credit score would have dropped significantly! All the remarks reflect a new credit card was opened with XXXX XXXX  on XX/XX/23 which should have only dropped my score XXXX points. XXXX is not only in violation of my rights. They are misusing their own systems of credit reporting. This issue needs to be fixed immediately! I have called and submitting a dispute on their website in regards to this and have yet to recieve any 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 2023-05-25
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Weltman , Weinberg & Reis Co., LPA first contacted me back on XX/XX/XXXX with claims of an owed debt. The debt being requested was not mine and appeared to be fraudulent. Weltman, Weinberg & Reis Co., were then as to validate the said debt owed, and they were informed that they had 30 days to do so per FDCPA regulations. They failed to adhere to federal regulations and have since reattempted collection procedures dating to XX/XX/XXXX. This company is in major violation of my consumer rights, and has committed multiple violations under Fair Debt Collection Practices Act, 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This will be the 3rd time I have filed a complaint for the same thing I got the same response both times and both times I have tried to contact Cash App and was told the same thing nobody knows what it is I need to verify with them The 1 st complaint number is XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I didn't make the atm transactions nor did I allow anyone to make them this has been going on for over a year XX/XX/XXXX XXXX transaction were made at a atm 2 of them are for {$500.00} and one was for {$500.00} both of the {$500.00} atm transaction were completed the 1 for {$500.00} was declined I have filed disputes over and over with Cash App with no luck Both times its been the same response. They keep saying that they can't verify that I am the account owner I have called over and over and YES MY ACCOUNT IS VERIFIED!!!!!! When calling Cash App you CAN'T talk to a manager they say they will be in contact with an email that you don't ever get The agents on the phone will just hang up on you because they don't know what to do PLEASE CAN YOU HELP ME GET MY MONEY THAT WAS TAKEN FROM MY ACCOUNT {$1000.00} I again just now tried to contact support I told the rep what the response letter said and I was told that my claims were sent the SPECIAL RESOLUTION TEAM This is the Cash app dispute number XXXX the name that is on the email I got XXXX XXXX Here is one of the other dispute number XXXX the name on this one is XXXX support manager Please help me get my money back and or help me take my complaint someone that can help me $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: V and H Portfolio
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Vance and Huffman LLC entered on my credit report in XX/XX/XXXX a past due account under the company name XXXX XXXX XXXX. I contacted them twice by phone, as well as disputed with XXXX  credit bureau. XXXX  closed my dispute saying Vance & Huffman said they confirmed this is my past due account. The second time I called Vance & Huffman, they provided a copy of the supposed check signed by me XX/XX/XXXX in XXXX, NM. The check not only does not have my signature, but the address underneath my name XXXX XXXX  XXXX XXXX XXXX XXXX NM XXXX does not exist, and of course have not lived there. The company listed on the check is XXXX XXXX XXXX using address XXXX XXXX XXXX XXXX XXXX, NM XXXX which comes up as an automotive repair shop of some kind under a completely different name. Additionally, I have lived near XXXX, NY since about XX/XX/XXXX, and have not even been inside the state of NM. Of course I have also never heard of XXXX XXXX, nor ever been into an XXXX XXXX XXXX store location anywhere. Vance & Huffman at this time has not confirmed they will remove from my credit bureau accounts, and continues to question this fraudulent charge, and therefore do not know what to do next. Vance & Huffman now also has entered the account onto my XXXX credit report fraudulently. I have also filed a Federal Trade Commission Identity Theft Report under reference # XXXX and do not know what to do. I have a credit freeze, and fraud alerts placed as well. Seeking additional advice as well because there was never a credit check/inquiry for XXXX XXXX XXXX XXXX to give the $ XXXX out under my name, which is now hurting my personal finances with low credit scores. If not resolved, I would appreciate professional advice on potential legal action I can take as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 2023-02-06
Company: Synovus Bank
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Several fraudulent charges were made on my account. I contacted the company on or about XX/XX/XXXX and tried to resolve the fraud charges. I was told that I need to contact the venders to resolve these charges. I don't know where or how to contact venders about charges that were made on my account. I requested that the account be closed and they continue to charge me monthly fees, etc. and my account is still open and they refuse to remove the fraudulent charges that were made on the account. Every time I call to try to resolve this I am placed on hold for well over an hour. I have no other way of contacting someone and have repeatedly asked that my account be closed. It does not appear that this has been done and more charges are being incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on one of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXXXXXX Balance : {$1600.00} This complaint will be a follow-up to notify you to fix the listed accounts immediately.

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 2023-05-26
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: SOUTHPOINT FINANCIAL SERVICES, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a XXXX XXXX but I couldn't find anything in my area. I knew I would have an issue getting a conventional loan because of my work history. My realtor informed me to speak with XXXX XXXX XXXX at SouthPoint Financial Services Inc. She told me that she knew of previous clients who used her to close with the same work history. My realtor informed the company of my work history, and I reiterated this to XXXX XXXX and XXXX XXXX, who later took over for XXXX XXXX. They insisted I continue with the process. I was preapproved. Once I went under contract on a property, XXXX XXXX contacted me on XX/XX/2021, stating that I was denied because of my work history. I was livid because they were fully aware of this from the beginning. I reached out to XXXX XXXX on XX/XX/2021, the company 's President to make a complaint against XXXX XXXX and XXXX XXXX for negligence. I knew everything was done in-house, so they could have spoken with the necessary parties to ensure I would be approved. She tried to explain why I was denied. They requested that I pay the appraisal fee and inspection before closing, and since I didn't close, I requested an {$800.00} refund and requested information under RESPA from XXXX XXXX and XXXX XXXX. XXXX XXXX stopped communication. I never received a refund or my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NJ
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:
To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Experian Information Solutions Inc.
State: NV
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:
Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, Al.2015 as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to Experian and XXXX XXXX to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of  Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached.

3. Due to inaccuracies Judge dismissed the case.

4. Yes, XXXX XXXX verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.

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 2023-06-19
Company: NAVY FEDERAL CREDIT UNION
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:
I reviewed my credit report and it shows 3 hard inquiries that Im currently unaware of. Ive attempted to get in contact with creditors regarding matters but have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: JPMORGAN CHASE & CO.
State: MA
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 am a chase bank customer and I disputed unauthorized transactions dated XX/XX/2021 from XXXX XXXX XXXX in the amount of {$130.00} and XXXX XXXX for {$150.00} chase denied my claim and said I was responsible to pay for these charges when they were fraudulent and I never made them. I find it extremely absurd and unethical for chase to say they protect customers from fraud when in reality they don't. I refuse to pay for charges that I never made and I really need help resolving this issue, I handled everything correctly on my end and reported my card lost as soon as I noticed these transactions which was not even 12 hours after they posted and its so unfair and wrong for chase to deny my claim.

Company response to consumer: Closed with explanation