BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: KS
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:
My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX  XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX.High balance, XXXX. Last activity and XXXX. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name Experian XXXXXXXX XXXX XXXX {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must 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 explanation
Consumer complaint received 2021-03-11
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 Fraud/Scam {$350.00} $ XXXX  My phone was left open in a public space. The individual who uses the cash app username XXXX  sent themselves {$350.00} via the Cash App without my knowledge and/or permission/consent. XXXX was never a friend of mine, was never a contact of mine before the transaction or after the transaction. I do not know who this person is and i did not authorize anyone to send themselves money. I did not send someone who is not in my contacts {$350.00}. 

Cash app can not prove that i did authorize this transaction. They have failed to provide any proof. 

I was scammed and I have communicated with them multiple times this was a scam. 

Cash App Support has refused to assist in any manner. The only solution Cash app has offered is to request a refund back from the person who sent themselves the money! Of course they have rejected every request. Cash app has provided and sent my bank false and misleading information so I can not work with my bank on this matter. The bank took the false information from cash app and closed out their investigation. The only support cash app has offered is to request the money back from the person who stole the money. They have blocked me on cash app. Cash app has no protection to prevent this but they have solutions for the scammers to block you and disappear. I have requested the money back multiple times and each time has been rejected. This person was not a contact of mine further evidence this was fraud!!! There is no password that protects the app nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to file a formal complaint against Experian, XXXX, and XXXX for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account. 

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal. 

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation. 

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : Experian, XXXX, and XXXX are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against Experian, XXXX, and XXXX for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-01-26
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:
There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX  ). I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. I have contacted XXXX XXXXXXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. XXXX XXXX XXXX XXXX sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXX XXXX has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. Experian and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX  Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-08-08
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:
Equifax has an erroneous medical collection account being reported on my credit file XXXX XXXX XXXX XXXX XXXX. I have now disputed this twice with Equifax, who somehow magically did their investigation twice now in under 48 hours. This is a clear violation of my rights and numerous credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Chase XXXX XXXX Card which is advertised as a travel card. I have had this card for ~4 years now and have extensively used the card. I continue to be in good standing with the card, paying the dues on time. On XX/XX/XXXX, I tried making a reservation for a flight in XXXX for {$210.00} but Chase rejected this transaction. At this time, I have over {$15000.00} in available credit limit. I called Chase and they stated that they have locked my account, however they refused to explain why the account was locked and asked me to call another day. They also sent me a text message requesting me to confirm that the transaction was indeed mine. I immediately responded confirming that the transaction was indeed mine. The transaction however continued to be rejected. I am an avid traveler and an XXXX, this behavior is clearly xenophobic targeting transactions in a particular region and not aligned with the expectations of an travel card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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 appreciate the effort of the XXXX XXXX to remove all the specified fraudulent inquiries from my XXXX credit report, and although 2 out of 5 fraudulent inquiries were removed from my Experian credit report it was still not enough so I NEED the Experian Credit Bureau to finish it by removing these remaining 2 fraudulent one. And regarding my XXXX Credit Report issue the Bureau have NOT REMOVED the only two fraudulent inquiries that I mentioned from the start, and I need the XXXX XXXX to remove them as soon as possible. I am requesting an assistance from CFPB to please help me in solving these issue, by making sure that the Experian and XXXX Credit Bureaus to remove these inquiries listed in these compliant : 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 2023-11-21
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The complaint covers THREE ( 3 ) loans with this company, as EACH loan has the SAME ISSUE. 

There is a BLANKET insurance policy, and each loan must collect ONLY its portion for the escrow account. This has been explained to this company since they became the servicer in XX/XX/2022, was explained again during the insurance renewal, and for two months now, has been explained again by me, via their portal, Email, phone and XXXX mail, as well as explained by the insurance company, that it is a BLANKET insurance policy. This company services 3 loans, another company services the other 3. In the most simplest of terms, a blanket insurance takes the total policy premium and divides it by 6. NOT ONLY have we done this math for them, we have provided paid in full invoices and individual declarations pages to show them how to do the math, and what escrows they need to be collecting. 

Every time we contact them, they say it is fixed, but it is NOT fixed.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
this is my name and my address that need to be on my credit report social seurity number XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX n.c XXXX/ XXXX/ this need to be on all credit reporting agencies

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 2023-10-07
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian credit reporting company lowered my credit score XXXX points because I used my credit. Note that I was still above XXXX but I do not think their algorithm is accurate for lowering my score. I have a few credit cards and I never have paid any interest as the CC companies automatically take the full balance due every month. I think that Experian should know this as I have done this my whole life! My CC limit was $ XXXX and I charged $ XXXX for my wifes funeral home expenses ( I just used the card to get 1.5 % cash back ). It could have been a trip or anything, but if you use more than like 30 % of your CC limit they will lower your score! I just don't think it is right that for 1 month of being higher credit usage your score should be lowered immediately when you pay in full every month. I am not planning on taking out loans, but I know your credit score is used by insurance companies for pricing policies. There should be more accountability put on the Credit Reporting agencies in cases like this to use a persons CC usage history for raising or lowering your score.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXXXXXX Balance Owed : {$16000.00}.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 this account has violated my rights. 

XXXX XXXXXXXX XXXXXXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an 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