BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had a CashApp account since last year, and at some point I forgot about the account and opened another account when I got a new phone with CashApp. So this makes it two account. Anyways I have an issue since, as I have been enjoying their services. However a friend of mine who had sent money to me before, transferred {$260.00} dollars to my former CashApp account cos thats the one he has he did not have my current one. He made this transfer on the XXXX of XXXX this year, a few days ago and I could not access the funds cos I no longer have that former phone number I used in registering that account, I tried everything possible and I just could not have access. I contacted cashapp via email and explained my situation to them and asked that they grant me access to the funds after all it was my account. They asked me for proof of my account and asked for some documents and information which I provided successfully they and they said the verification was successful. However they were sorry they could not grant me access to that account or funds for security reasons and to protect my account. I further pleaded with them and asked them to help close the former account and grant me access to my funds, they tefused. I explained that this fund was for a sick relative of mine back in XXXX and the person needed to undergo an XXXX XXXX  and it was a matter of life and death they still refused. Someone else sent me {$60.00} to thats and amount again today not knowing what was happening. So that makes it two transactions held up by CashApp. Sadly I got a news that my relative passed away cos there was no proper treatment which the money was meant for. I lost my cousin. I am indeed devastated and in pains knowing that I trusted cashapp to release this funds to me but they never did. After all Im the owner of the account and they proved it. At this point. Im done with them and I want all my accounts closed and all my cash returned to me since they wont grant me access to these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On the XXXX of XXXX, XXXX I applied for a line of credit through Discover it Card where after I answered the questions asked of me and provided my personal information like my name, address, social security and other personal information, I received a denial letter, advising that my credit was denied. Upon further educating myself I found that discover has violated my consumers right by discriminating by treating my application unfavorably based on other credit transaction under Equal Credit Opportunity Act 12 CFR 1002.7 Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ( m ) Credit transaction means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ). 
( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. Consumer Credit Protection Act 15 U.S. Code 1691 - Scope of prohibition : ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. Furthermore, Discover also, violateXXXX XXXX XXXX XXXX XXXX XXXXXXXX, the securities XXXX of XXXX, XXXX XXXX XXXX XXXX and Consumer Protection Act, Consumer Financial Protection Bureau website and Financial Industry XXXX XXXX XXXX and XXXX  ( XXXX XXXX XXXX, XXXX XXXX XXXX. ), as I explained to them, on the notices sent certified mail, I am aware my application with my social security and signature, is a security and I demand they compensate me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NY
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Both XXXX and TransUnion continue to include on their credit reports a XXXX home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, TransUnion, and XXXX with my dispute. XXXX was contacted in XX/XX/XXXX and XX/XX/XXXX. TransUnion was contacted in XX/XX/XXXX and XX/XX/XXXX. XXXX and TransUnion state their investigations involved following up with XXXX and XXXX told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to XXXX detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, XXXX has not responded to my letter. I have never received an explanation from XXXX, TransUnion, or XXXX as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX and TransUnion credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX was discharged.

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 2023-10-24
Company: EQUIFAX, INC.
State: FL
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. ive checked my credit an noticed all info listed is reporting illegally an fraudulent information to my credit report. this has caused major delays an alot of denials. this needs to be corrected. please review an remove all information to help clear my credit asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: AE
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 creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2020-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a phone call from XXXX XXXX XXXX XXXX, stating that they were attempting to collect a debt from Wachovia Bank, now Wells Fargo. The person on the line knew everything about me : my full name, birth date, social security number, current and former addresses, my correct former Wachovia Bank account number, and the full story of exactly what happened over 10 years ago with my Wachovia Bank account. They offered to settle my debt of {$820.00} for a lower amount of {$570.00}. I had no other choice, because I knew I had this debt to Wachovia Bank, now Wells Fargo, and they threatened to report me to several credit bureaus and something called " XXXX XXXX '' that would apparently put a hold on all my bank accounts and cards. I obliged, and payed them the amount of {$570.00}. The individual on the phone identified herself as XXXX XXXX, and gave me a call-back number of XXXX and stated that I would receive a letter of absolvement. It has been over two weeks, and I never received my letter, so I attempted to call the phone number, and it appears to be a bad phone number. Also, the website for XXXX XXXX XXXX XXXX states their address as XXXX XXXX XXXX XXXX  XXXX, XXXX, DE XXXX, which on XXXX street view, doesn't appear to exist. In addition, the company through which I paid was called XXXX XXXX XXXX. Their phone number is XXXX, which also appears to be a bad number, and their address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX is a place where one can rent a single office in a larger office building, so this is also suspect. I believe I was scammed into paying this money fraudulently. Also, I am very concerned with the amount of personal information this individual had. I hope something can come from this. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-03-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
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 status incorrect

Complaint:
My XXXX/XXXX credit account is showing 30-60 days delinquent which is not true. I had credit protection and have filed a claim with them on several occasion. Their incorrect reporting is both negligent and fraudulent. I am pursuing civil litigation on this matter.

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 2023-03-20
Company: SYNCHRONY FINANCIAL
State: PR
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account u open end consumer credit plan as I purpose.

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 2023-10-17
Company: SUNCOAST CREDIT UNION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: Army and Air Force Exchange Service
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2022-05-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company did not respond to my XX/XX/2022 request for debt validation.

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 2021-08-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Phoenix Financial Services LLC
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:
Since XXXX of 2022 I have been sending letters and asked for an itemize copy of bill. Im a victim of identity theft & have been reaching out to all three credit bureau. Ive sent documents as well no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX, purchased a medical debt of {$110.00} from XXXX  XXXX in XX/XX/XXXX ; the debt was paid off to XXXX XX/XX/XXXX. XXXX submitted an update to the Credit Bureau as a collection action on XX/XX/XXXX showing that the bill was paid, was settled on XX/XX/XXXX and there is a XXXX  balance. To continue to report this as a collection action to the credit bureaus is arbitrary and capricious and I believe a violation of Fair Credit Reporting Act ( FCRA ). I asked several executives of the company to please remove this from my credit report, but they refused. THERE IS NO BUSINESS JUSTIFICATION TO CONTINUE TO REPORT THIS AS COLLECTIONS ACTIVITY. I spoke to XXXX XXXX, Team Lead, Dispute Dept, and XXXX XXXX, Compliance Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: MD
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 on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX Balance : {$860.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MD
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 had a car loan with XXXX/XXXX  i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date

Company response to consumer: Closed with explanation