BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, 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:
I have submitted documentation that XXXX, XXXX, and Equifax have been sharing improper accounts on my credit report. They are in violation of code section 609. 

XXXX is reporting inaccurate account : XXXX XXXX  XXXX Equifax is reporting inaccurate account XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXX, and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: SYNCHRONY FINANCIAL
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Synchrony bank is not allowing me to move money to an external account. They have turned off all access to external account on their app and website. Only by calling am I able to move money out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: MO
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:
After my purse was stolen my identity became comprised, place on the dark web and all. I learned of this after I pulled my credit file. The following accounts are unknown and unauthorized by me, therefore Im demanding that these accounts be removes imnediately. 

1. XXXX XXXX XXXXXXXX {$790.00} 2. XXXX XXXX {$790.00} 3. XXXX XXXX {$170.00} 4. XXXX XXXX {$92.00} 5. XXXX XXXX {$1100.00} 6. XXXX {$96.00} 7. XXXX XXXX XXXX {$850.00} 8. XXXX XXXX XXXX {$20.00} 9. XXXX XXXX XXXX {$35.00} 10. XXXX XXXX XXXX {$47.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$710.00} 13. XXXX XXXX XXXX {$75.00} 14. XXXX XXXX {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : SYNCB/MILLS FLEET FARM Account Number : XXXX Date Opened : XX/XX/2014 Balance : Reason : Identity theft Please remove it from 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 2022-03-12
Company: Block, Inc.
State: OR
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:
The successful transactions occurred on XX/XX/2022. It was the second time. 
The first attempt was on XX/XX/XXXX. However they were held as pending and eventually cancelled 3 weeks later. 
I was on my phone when the transactions occurred, so I was able to transfer my remaining funds out ( for a fee, conveniently paid to cashapp ) and flag my card as compromised. The next day the managed to get 3 transactions through on the new card that hadn't even been mailed out or activated yet. 

All attempts have been transactions from XXXX stores in NY. I've never been to New York. I'm in Oregon. Including attempts and successful ones, there have been 13 transactions total ( so far ) and each set is on a new card that hasn't been activated or even removed from the envelope. 

I reported my card stolen and the next day, before I even got my new card, 3 more transactions for XXXX NY went through. These 3 transactions totaling over {$1200.00} are the ones I am disputing because I lost money. I called XXXX as suggested by Cashapp support and they can't locate the transactions and Cash App hasn't been very helpful at all. Now that the transactions aren't pending anymore I have disputed them and waiting to hear back. I filed the dispute on XXXX, XXXXThey stated I would hear back in 10 days. Nothing received. Filed again on XX/XX/XXXX. No response. Filed again on XX/XX/XXXX. 

I thought I was ok because I had a new card. Nobody had access to it. I hadn't even received it yet. I uninstalled cash app, logged out, force closed it, changed my pin. And even after doing all that, many other charges tried to go through but I had deactivated the card as soon as I requested the replacement. It has to be someone internal to cash app that's leaking info. 

This is a widespread, ongoing continuous stream of fraudulent activity that Cashapp and XXXX refuse to address and/or prevent. 
A brief internet search shows many people wit the exact same narrative. Usually at one of several XXXX stores in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a previous complaint on XX/XX/2023 but there was a mistake of the full legal name that caused Cash app to make more excuses eventhough I sent the proper documentation with the correct name and account numbers on those documents. They claim that my identity is already identified and i attached screenshots of that conversation via Cash App Chat Support. I need to refile the same complaint but with the corrected name so they will have ran out of excuses for their deceptive and ethical way thay handle disputes and/or victims of financial crimes. I will attach the letter with complaint number. Can you please correct the name on the complaint and resend it. There is no one to speak to, email or contact in any form about this problem. They keep saying my case has been " escalated to a special team '' but this supposedly " special team '' is not contactable in any form as well. Can you please correct the name on the complaint to XXXX XXXX XXXX and send it to Cash App? They will not respond to me. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent Transunion a letter disputing the XXXX XXXX XXXX  account they are reporting on my credit report. I received a credit report on XX/XX/XXXX stating they verified the account and it will remain on my credit report. I sent a follow up letter on XX/XX/XXXX due to my disagreement with their results. They responded with a letter on XX/XX/XXXX saying they had completed their investigation already and unless I had other proof they were not going to investigate it again. On XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was verified as accurate on XX/XX/XXXX. I then sent another letter on XX/XX/XXXX stating multiple errors are still being reported. I received a credit report on XX/XX/XXXX that the account is verified and remains. I sent in one last report on XX/XX/XXXX asking for the method of verification as I know this account was not verified. On XX/XX/XXXX, I received a credit report showing the account was verified and accurate, but was never told how the account was verified. How is that possible when there were no payments made in XX/XX/XXXX? Nothing had been done to correct this account, even with proof. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. As I look back over my reports from Transunion I can see that the amounts that were paid in XX/XX/XXXX change throughout the course of the last year. Where is the proof payments were made and how much were the payments??? I am appalled that Transunion would continue to let this account show errors. This account needs to be deleted.

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 2022-03-12
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXXXXXX XXXX XXXX XXXX Account # : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 32 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act

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 2022-11-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX. I do not owe any money to XXXX  XXXX. I have never received a bill from XXXX indicating a balance due. 
XXXX. I have never received a Demand Letter from XXXX indicating if the amount due is not paid by XXXX date, collection action will begin XXXX. My payments for service are up to date [ no money for service is due ] XXXX. I have returned all equipment to XXXX XXXX for which I received a receipt.!! 
XXXX. XXXX has previously contracted for this with XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX, to which I provided the receipt and the same above information. It would appear XXXX is engaged in XXXX XXXX XXXX. 
XXXX. I have provided all this information to IC Systems XXXX IC Systems has NOW placed a derogatory item 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 2023-04-08
Company: EQUIFAX, INC.
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: 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 Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/. I have call three times to bring attention to my credit score decreasing by XXXX points. Each time I was only given excuses and the customer service representative would only justify the decrease. I make all of my payments on time! I have no collects and no late payments. 
The only reason they could give me is that I have high balances. The balances are going down with my on time payments. Again my score should be increasing, not having the opposite affect. 
I have taken great responsibility for improving my credit and to see this negative impact, is flabergasting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
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: 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 rights to privacy and confidentiality under USC 15 USC 1681 Delete All Accounts 1 ). 602 ( A ). Congressional In findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 
2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Square Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX. I am a square user and opened a business in my house for mini drinks and retailing known as " XXXX XXXX XXXX XXXX '' I process one payment with square and square needed information about my business. I sent them my ID card and other document but I have not gotten a response and it has been weeks. 

I need square to tell me when I will be able to withdraw my money. 

If they have deactivated my account, they need to tell me when I will be able to withdraw my funds. 

The email address associated with my square account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 privacy was breached by Transunion, XXXX, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX! XXXX, XXXX Account XXXX XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX Transunion Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2016, a person who was not myself, created an account with Bank of America using my SSN. I provided my original Social Security Card, Driver License, other credit and debit cards as well to establish my identity unequivocally and without question. 

The bank will not provide me with any information. 

Their case # 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 2023-06-09
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by IQ-Data International collection agency I was told that they werent a standard collection agency and they didnt buy my debt but were contracted to collect. I was told they did not do payment arrangements but under certain circumstances they would allow a payment arrangement and this was entered into under the pretense that as long as I made those payments on time, it would not report. Ive consistently made payments since the agreement was entered into, I awoke on XXXX XXXX  with the debt on my credit. I then contacted the agency and basically was called a liar stating that couldnt have been said, I prompted them to listen to the recording from my interaction. Ive made at least 3 payments on this debt under the guise that it would not be reported now they have reported and are saying I would need to pay in full the remainder in order to get it removed. The representative was not honest or forthright and basically tricked me into the agreement knowing that it wouldnt prevent them from reporting.

Company response to consumer: Closed with explanation