BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXXXXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XX/XX/2022 UNATHORIZED INQUIRY

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 2022-07-10
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 XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I want this removed immediately off my consumer report or I will inclined to take this matter to Federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In regards to CFPB complaint XXXX, please note that the complaint is about the following outstanding items : 1. If Title Max sold the car, no debt cancellation occurred in XXXX but in XXXX. The IRS needs to be notified of this error. 

2. Title Max indicated in their response to XXXX XXXX XXXX XXXX XXXX XXXX office in XXXX that even though they repossessed the vehicle they will not be claiming any amounts owed/due/debt cancelled. Doing so despite of writing to XXXX office to the contrary, is misleading to the customers. 

3. Please submit form 1099 C /send the 1099C filed with IRS for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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: Credit inquiries on your report that you don't recognize

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 XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, 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 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 explanation
Consumer complaint received 2021-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with JPMCB for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX It was brought to my attention that two accounts from XXXX XXXX was posted to my credit report in total of {$240.00} : Amount. Account number. Date {$130.00} XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX For XXXX XXXX XXXX past due insurance payment. I was informed by the XXXX XXXX  representative that the ID number linked to the account is XXXX. That is not my information. Ive been trying to dispute this debt since I signed up with XXXX XXXX in late XXXX. As of XX/XX/XXXX it would have been 30 days that I personally informed XXXX XXXX that this information was in accurate. Ive never owned, co-signed, nor leased this vehicle. I never gave anyone permission to use my information to make any purchase using my information. Due to these debts being placed on my credit report my credit score dropped XXXX points according to Equifax. I am seeking compensation in regards to this matter. Ive worked hard to get my credit to a XXXX, and to have someone elses debt affect my credit is upsetting. Im a single mother who works 7 days a week trying to make a way for me and my children. This has complicated my life. I had to rely on government assistance and help from XXXX XXXX, and XXXX XXXXXXXX XXXX to keep a roof over my childrens head.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021, I attempted to freeze my credit via Experian. The US FTC XXXX XXXX XXXX XXXX XXXX  at https : XXXX  ) indicated that this would be a free service. 

Summary : Experian appears to intentionally force consumers into buying their paid credit lock service. 

Specific problems : 1 ) Experian has a " Credit Lock '' service, which is paid ( see https : XXXX ). In small print, the Credit Lock site says that the service is separate from Experian 's credit lock ( Security Freeze ) request site. ( see https : //XXXX  ). It seems to be a 'bait and switch ' 2 ) After completing the online request form on Experian 's Security Freeze site ( https : XXXX ), including my social security number, I was presented with an error message that said I was missing my SSN ( but I entered it, using the option to see the entry I was making ). I believe the error message was intentional 3 ) Experian requires a written request to a Texas XXXX XXXX address. While my request is all about preserving security, Experian offers no guarantee that this process is secure 4 ) Experian offers an automated phone tree ( IVR ) which requests identifying information ( SSN, 1st digits of street address, zip code ) and then presents an error message. There is no option to speak with anyone.

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 2023-09-16
Company: TrueAccord Corp.
State: MO
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:
Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

I have read under FCRA, 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

In addition, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alle
ged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXXTrue Accord XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In requesting a balance transfer of {$4500.00} from my financial institution, XXXX ( XXXX XXXX XXXX ), I inadvertently chose CAPITAL ONE. The bank should have been XXXX XXXX. XXXX mailed the check to CAPITAL ONE which was cashed on XX/XX/2023. I attached a photocopy of the cashed check. After realizing my error, I have tirelessly attempted to reach someone at Capital One without success regarding the problem. I am hoping you are able to find a contact at Capital One in order to retrieve the {$4500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that the Credit Reporting Agencies look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX Balance Owed : {$0.00} The fact that you are still listing this account as being past due despite the fact that it has been paid in full and has no outstanding amount is a blatant violation of the Fair Credit Reporting Act. I never missed a payment on this account. My records indicate that I never missed a payment on this account, which was paid as agreed. I need you to please either entirely erase the disputed account from this account 's payment history or take care of the late payments. 

XXXX XXXX  XXXX Balance Owed : {$1.00}, XXXX You have done nothing despite my repeated attempts to dispute this account and get the payment history updated. I never made late payments for this account, hence the late payments that are shown in the payment history of the account are false. Please update the payment history as soon as you can by deleting the recorded late payments. 

XXXX  XXXX XXXX Balance Owed : {$1100.00} This statement was never late and never will be. I've tried to ask you to alter the payment history since you are putting false and inaccurate information about me on my credit record. I ask that you stop reporting late payments on this account and only provide truthful information going forward. The FCRA requires proper credit reporting.

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 2022-07-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 explanation
Consumer complaint received 2023-09-16
Company: Westlake Services, LLC
State: AL
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:
Westlake XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from American Car Center ( American Financial ) When I found out American Car Center was closing I returned vehicle to dealer the vehicle was leased from. American Car Center took possession of vehicle. Westlake XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder

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 2023-09-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
COLUMBIA DEBT RECOVERY Is saying that I owe {$1000.00}. Problem is they never contacted me and never verified if the debt was even mine, I would like this taken off my credit report ASAP. 

I have no idea what this is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Someone called my cell saying they are the fraud dept of citi bank and I need to withdraw immediately {$1900.00} from my checking accouant purchase XXXX gift cards give them the card number and access code asap .When I got back home I got the same thing with my XXXX XXXXXXXX XXXX XXXX I withdrew {$1000.00} from different accouant because I did not have the amouant in one accouant. I was told in 6 hours the money will be back in the accouants.Never happened. I called the bank and I was told to contact the police XXXX XXXXXXXX XXXX Police report # XXXX.XXXX from the fraud dept told me he changed the ip address on my computer the new onw is XXXX I did a FTC report too # XXXX. Then today XXXX  XXXX XXXX told me to call XXXX to see if I can stop the gifts cards XXXX said its too late here is the XXXX 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 2023-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am told changing my automatic payment with Wells Fargo is no longer possible with external accounts, so I resorted to manually making payments through their online portal. On XX/XX/2023, I paid the full amount due on my credit card. However, on the same day, Wells Fargo debited my savings account for the minimum payment and an over limit amount. Unfortunately, my non-Wells Fargo savings account did not have enough funds to cover both the full payment and the additional amounts. 

I was informed about this issue on XX/XX/XXXX by my bank where my savings account is held. To resolve the problem, I contacted Wells Fargo via phone and requested either the removal of the minimum payment and principal payment or an adjustment of the amount I initially initiated ( the full statement balance ) to account for the difference between the minimum payment plus over limit amount and the full balance. However, Wells Fargo prohibited me from making any changes to the payment. 

Additionally, when I attempted to add funds from another account on XX/XX/XXXX to avoid interest charges, I was also prohibited from doing so. On XX/XX/XXXX, I called Wells Fargo regarding the interest fee, but my concerns were ignored. No follow-up, email, or correspondence was sent to me regarding the approval, denial, or explanation of the interest charges. 

I will consider this issue resolved when I receive a full refund of the interest charged and when my full credit limit is restored. Currently, I am unable to access my credit line because Wells Fargo requires a letter from my savings account, on bank letterhead, confirming my ownership of the 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 monetary relief
Consumer complaint received 2023-05-08
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In late XXXX I used my CashApp card to complete a transaction on XXXX XXXX XXXX website. The transaction was completed and CashApp deducted the funds for said transaction. However, they experience a technical error and they return the funds back to my account. I did not receive any notifications saying that any money was added into my account. Furthermore, I did not receive any notifications saying that the technical error happened or that the balance needed to be settled. 

Over 30 days later CashApp decided to now take the funds back out of my account to settle the balance. When Cashapp decided to deduct funds from my account to settle a technical error that they had it put me in a financial hardship. When I initially purchased the chairs, I had more than enough money to cover said chairs. Unfortunately, at this time I do not. 

It is to my understanding that the transaction was complete, and no further action needed to take place. The money was taken out, put back in, and then taken out again. I have made several calls to cash apps customer service where i was hung up on i had their scripted rebuttals recited back to me, and there was no regard for the financial hardship they created or the emotional distress that occurred. I also went as far as to request to speak with a supervisor, and i was told that they do not have any supervisors that are available to speak over the phone they can only communicate via e-mail. I was then contacted by a supervisor close to their closing time. Furthermore the communications that I did have with their supervisor just reiterated a timeline that I was already made aware of. No concessions were made, I had even gone as far as to request a partial reimbursement because the technical error did not occur on my account. 

Specifically speaking, an authorization charge that took place XX/XX/XXXX at the cost of {$640.00}. As of XX/XX/XXXX or XX/XX/XXXX the authorization charge was dropped and there was an update oh a XXXX XXXX charge for {$620.00}. After the charges were updated I am assuming that that is when the additional funds were added into my account, which again i was not privy to know where or when any type of funds were added because there was no notifications, there were no communications about such activity. now as of XX/XX/XXXX, cash app has decided to deduct money for a transaction that occurred over a month ago. I am frustrated because i do not have extra funding to cover their technical error. Furthermore that money was intended for my special needs son child care

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief