BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to work with XXXX XXXX for over ( 3 ). 
I have spoken to several Store Manager, Supervisors concerning this matter. I have attempted to set to their billing department from the beginning because the initial credit amount issued was more but, I only used what was needed and per their policy after 48 hours any unused credit would be removed and I would only be responsible for the amount I charged. One major component of this promotion was the offer 36 months No Interested if you paid of the debt with 12 months. I paid off the debt in 10 months. My Last payment to them was on XX/XX/XXXX for the total of {$1000.00}. When I paid that account through my check and cleared I call them and they stated the credit report would be updated and no interested would be charged. Now they are continuing not updating my credit to reflect non payment which is negatively affecting my ability to maintain good credit. Now they refuse to talk to me and just hang up. 
This is the account information : XXXX XXXX Account # : XXXX Past Due Amount : {$0.00} Due Date : XX/XX/XXXX Your assistance would be greatly appreciate it resolution on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo seems to have retracted the payment of my direct deposit from my savings account, now reflecting a negative balance. The discrepency is nored tobe a system wide glutch with no time as to the remediation of lost funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
OLD INFO REAPPEARED

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 2022-12-25
Company: EQUIFAX, INC.
State: GA
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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  - {$0.00} - CLOSED - XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was scammed for {$420.00} today for concert tickets Money sent thru Zelle Zelle refusing to refund any money. Was not aware of policy. Due to send money in a rush. This is the first time Ive ever done something like this and its so much money I just really need some help with getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
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: Account status incorrect

Complaint:
In XX/XX/2016, I traded my XXXX for a new vehicle. The account was in good standing and completely paid off. The account has shown closed and paid in full as of XX/XX/2016 on all three credit reports since then. A few months ago, my Equifax monitoring alerted me for delinquent reporting. When I looked, it was the XXXX XXXX reporting a 30-day lay for XX/XX/2016. I have tried to get this corrected several times already to no avail. At this point, I am ready to escalate if needed. This is starting to create issues and question my creditworthiness and integrity. I have been denied for business credit, and personal credit limits decreased significantly siting delinquency. I was never late with this account, and I find it ridiculous that this randomly appeared on my credit report 6 YEARS AFTER THE ACCOUNT WAS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
American Express just sent me a modified set of terms and conditions which included a requirement that ALL arbitration proceedings and settlements must be kept secret. 

This is patently unfair and abusive term, as American Express is using their market power to force consumers into accepting egregious terms such as these. 

This clause allows the company to harm innumerable numbers of customers in complete secrecy and prevents the public and other customers from even knowing about these issues. In order to hold a company accountable, the courts have long made their records public so that everyone is aware when someone is found guilty. 

Additionally, the COMPANY knows ALL of the consumers and ALL of their complaints, so this is additionally a very one-sided term. 

Indeed, historically, XXXX XXXX was able to defraud over 3 million customers -- in no small part due to the use of arbitration. With companies like American Express now forcing secrecy UP FRONT and unconditionally, this unfair and abusive behavior is only more likely to occur as there will no longer be any way for anyone to even KNOW about that type of behavior ( it was only through an investigation by a newspaper that XXXX XXXX 's massive fraud was found -- if that was held to the standards forced by American Express, it could never come to light ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I received a collection amount of {$970.00} on my credit report from commonwealth financial System and this is not my debt it was done fraudulent I havent been to the hospital at that time.So I disputed this numerous of times and they continue to say its my responsibility and I know for a fact I havent been to the hospital at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: GA
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 hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from XXXX person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. There are also a student loan on my credit and Im confused on how this is so because I dont even have a high school diploma. I am doing this on my own behalf and really need someone to help me with this.

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 2023-09-22
Company: MECHANICS BANK
State: NC
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 was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : XXXX : The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized 700 CREDIT/CLASSIC CAD Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Equifax : The inquiry XXXX not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime recently just closed my account and with no reason I have funds on the account I cant access XXXX is on my account I cant access it i started banking with chime XX/XX/2020 and been receiving unemployment benefits XX/XX/2020 they closed my account and gave me no reason to why please help its XXXX I have XXXX small children which are under XXXX years old my children XXXX is ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello. I received an unauthorized inquire form XXXX XXXX on XX/XX/2018. As soon as I saw the alert, I called XXXX and they stated that they would send a form to Transunion to have it deleted. I contacted XXXX XXXX again on XX/XX/2018 because the fraudulent inquiry was not removed. They said it would take up to 120 days. I called XXXX XXXX in XXXX and they stated they sent the forms to Transunion to have the fraudulent inquiry removed. I called Transunion and they said they do not have them.. I called Transunion again the week of XX/XX/2018 and stated they still had received nothing. I called XXXX XXXX again the same day and they said it was sent twice to Transunion to have the fraudulent inquiry removed. I decided to wait another week or so. I called Transunion again today, XX/XX/2018 and the representative said they are opening up a " dispute '' case and they have some information about the fraudulent inquiry in their notes. I am still not sure if they have the actual paperwork from XXXX XXXX or not. This is not a dispute case. I would never apply for a XXXX XXXX phone. Ever. I am in the process of fixing my credit and this is a huge disappointment and set back. I asked the representative at Transunion why is it an investigation? XXXX has already done that. You are just supposed to delete it according to XXXX XXXX Fraud Department. His only answer was to wait for a response in the mail in 2 weeks. I need to know if XXXX actuall sent any information about removing the inquire to Transunion and if Transunion actually has it. I also am requesting for that fraudulent inquiry to be deleted not investigated a second time. XXXX said it was an application done online. Both XXXX and Transunion have my mailing address and I know it is not the one on that fraudulent application.

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 2023-09-22
Company: Paramount GR Holdings, LLC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/23 I have an issue and I need this information for incorrect illegal reporting of late payments need to be removed and marked as paid as agreed and i need the transactions to be reported correctly.

Goodleap has failed to provide me proof that i received a loan. They never gave me a loan as i extended my ssn and that makes it a credit consumer transaction and that is a credit card that is open ended and was paid at the time i executed the application, which is the device to purchase the good/ service i needed. I am getting damaged by the data furnisher and they are causing me sever mental anguish as i consumer report is suffering due to the creditors illegal and unfair practices. Late payments are illegal. Please have this account and transactions reinvestigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Bread Financial 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:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/21 I was approached and had my phone taken by 3 men who started CashApp multiple transactions to XXXX XXXX and XXXX XXXX for a total of {$1800.00}. By the time Id gotten my phone back the transactions hadnt been completed so I immediately reported the issue to CashApp. Instead of preventing the transactions they authorized them and allowed them to go through. I brought the issue to my bank who brought it to XXXX and gave me temporary credit. Upon XXXX investigation and communication with CashApp they were told by CashApp Id given clearance. But I have photo evidence that was not the case. The bank took the credit back and then some to cover deficit funds leaving me nearly penniless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today XX/XX/2023 I was messaged back about renting a room in a home for {$500.00}. He texted that it would be a XXXX $ Refundable application fee. He asked us to send it over Zelle and we did. He then asked for {$300.00} deposit for the room. I told him I didnt receive and email for the application and he kept stating he wanted the {$300.00}. I asked to make a call so I can verify that this is real or to meet up to give him the money but he refused so I knew from there it was a scam. I called my bank ( XXXXXXXX XXXX ) and they said they cant dispute it because its a Zelle transaction and to contact my local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dates that I have been disputing the charges and balances myself. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Speak to XXXX XXXX XXXX National Credit System XXXX she said that was not willing to work with me. 

And I also have a collection repair company helping. And they started sending letters to National Credit System on XXXX. 

XXXX XXXX which is the original creditor. Misinformed this third-party collection agency National Credit Systems . I'm not sure exactly what was communicated between XXXX XXXX and National Credit Systems when it comes to the balance that I owe. I informed XXXX XXXX that I was moving out on XX/XX/XXXX. As I was moving out the manager XXXX was kind of upset that I was moving out He was giving me a hard time today that I was moving out and from the movers. even though I gave them a 60-day notice the day that I was going to be moving out which is required based on the lease agreement. On the day that I moved out, I gave the least assistant manager the keys to the apartment that was moving out on. So, I don't understand why I am getting charged for the whole month of rent if I didn't stay a whole month based on my agreement of moving out. This is why the National Credit system is charging me more than what I was supposed to be charged with XXXX XXXX already collected by keeping my security deposit. If my rent was {$930.00} a month how did it get to the amount that they're trying to charge and they're trying to charge me for the whole month 's trash, I don't know what the misc charges are and utilities. Where I pay my own utilities, I'm not sure where that's coming from. And on top of that National Credit Systems, I also sent some named XXXX XXXX acct number XXXX address XXXX XXXX XXXX XXXX XXXX GA XXXX along with my mail in my letter envelope had someone else 's collection letter saying that they owe a debt. When I spoke to the collections representative XXXX XXXX XXXX ) and I'll let her know she didn't seem to be bothered and she did not care. And she was not willing to work with me today regarding this collection balance due to me. 

I let some codes here. I hope they will help. 
15us code 1692 c 15us code 6801-6803 15us code 1681H 15us code 1681i 15us code1681a ( 2 ) ( b ) 15us code 1692 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: OH
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 recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.

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