BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Southern Management Systems Inc.
State: NC
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:
Creditor is not the correct creditor for this account and was unable to supply original contract with wet signature.inconsistency in account status and account type. However my requests were ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested on XX/XX/2023 for debt validation with my original contract and wet ink signature. The request wasnt met therefore I want the item removed and immediately dropped to XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So basically XXXX XX/XX/XXXX at around XXXX am, I attempt to withdraw XXXX dollars from cashapp at an ATM inside of a drugstore. And oddly enough the ATM says i have insufficient funds, so i try and open up cash app on my phone, but its randomly deleted. So i redownload the app and my balance is at {$00.00}, i check my transactions and it says at XXXX XXXX a payment of {$150.00} dollars was made to a account named XXXX XXXX XXXX I contacted them several times trying to resolve the issue and was told a dispute has been issued, But then was told the very next day ( today ) that this dispute has been denied. I've contacted cashapp support several times requesting an explanation but always am told I will receive an email containing documentation but never receive anything. I am pretty much being told everything at this point that doesn't reguard why my dispute has been denied. Cashapp has failed me miserably .please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : 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 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 2022-11-10
Company: EQUIFAX, 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 XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX  XXXX  in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card sent a demand letter for me to use my credit card or they would close my account. I had no need to use this card before the time period demanded by Discover, so they forcibly closed my account while submitting this disparaging process to the credit reporting bureaus XXXX, XXXX, and XXXX where they reacted by penalizing me by deducting XXXX points from my credit score. When I called them to dispute this process they simply sent me a form letter supporting their purposeful retaliatory process. I believe they know they have the potential to destroy an individual 's credit history and they use this as a negotiable factor to demand use of their credit card which should be considered a criminal act. The attached file shows my credit score before Discover disparaged my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have new and updated information on case number XXXX with Experian Information XXXX regarding my credit file. 

I just received notice that Experian has completed their investigation regarding the following credit accounts : XXXX XXXX They deemed the information on my credit file to be 'accurate '. Which is false. I have already requested debt validation from both XXXX and XXXX, of which BOTH parties have yet to provide me with the document sIve requested to verify the alleged debts in the given time frame of ten days since receiving my requested letter via certified mail. Since both furnishers have been unable to provide sufficient proof to ME that their furnishing of my report is verified and valid, Experian has no means to prove the investigation of the validity of these accounts are lawful or correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a few accounts on my 3 major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every month since the loan inception, at my time of payment every month I have attempted to pay additional principle payments on my loan. When you attempt to pay extra or when you attempt to pay any late fees incurred the system only allows you to pay the standard payment. Any attempt to differ the payment amount is met with an error that returns you to the payment page. The only way to complete the payment is to pay a normal payment of the exact monthly payment amount. The company has actively stopped me from paying off my loan early and I have also incurred late fees that I am unable to pay. When you try to call the company you are placed on hold for hours only to ultimately have the call time out. I have documented this problem with screen shots and video evidence of the problem. This is likely happening to everyone customer they have in an ongoing scheme to keep consumers in high interest loans as long as possible. This has left me in a situation where I can't refinance and can't pay down my loan quicker in an effort to increase my chances of a successful refinance. This has damaged me financially and has affected my ability to raise my credit score. Had this not occurred I would likely have made the equivalent of 3-4 full payments as principle on the account and would have avoided XXXX  late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, 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 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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, 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 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 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 2020-06-24
Company: TekCollect Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. Tek Collect Inc/ XXXX XXXX XXXX Amount {$220.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/90 days late 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 2022-11-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have reached out to a company called 5 Star processing. That claims they can post tradelines to your business profile to build business credit report. They are calming they place a tradeline with Equifax business and credit safe. After 4 months. No information was posted on my account. I called Equifax and Credit safe to ask if the information has been posted. They have stated no. After several conversation with the owner XXXX he has assured me the information has been posted. I called the two firms again and they have stated no tradelines from that company has been posted. I reached out to XXXX again and notified him that I would report this fraudulent business to the FTC, and the Attorney General I have also spoken to the customer service representatives concerning the issues which prompted XXXX to call me. He has stated that there was an issue with their back system, and he just learned that no business owner tradeline has been reported for months and he was not aware. When I asked him when the information would be posted. He stated within the week. after 4 months I have learned that in over a year this company has frauded many business owners who were promised a service and services were never rendered. No services were rendered. and this company has no afflation or business dealings with the companies mentioned. Its all a scam. Here is the website https : XXXX. Also Here is the XXXX channel of their posting and the person that is recommended them. I later found out she is part of a fraud as well. You will be able to look up her name. She has been reported by thousands for her financial crimes. Her name is Real name XXXX XXXX ster is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have lost {$500.00} during the time I have been associated with this company. And 1000s of other clients have lost more. We need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL
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: Investigation took more than 30 days

Complaint:
Company has failed to reply within a 30-day timeframe, and further failed to REMOVE all inaccurate negative reporting, as I have never opened this account, and I believe that my family member has been using my identity, which is why I have a security freeze on my accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Affirm Holdings, 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: Account status incorrect

Complaint:
I have contacted the company on various occasion trying to resolve the matter to no avail, I receive an email stating that they cant verify my identity and I am no longer responsible for the amount, I contacted them on XXXX, the amounts are XXXX and XXXX, I have email going back and forth trying to resolve the matter and also emails from them stating that the balance will not be my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I received an email on Monday, XX/XX/2020 at XXXX XXXX  that I had been declined for a credit card with CapitalOne. I immediately contacted CapitalOne and notified them of a fraudulent application in my name. After answering questions CapitalOne was convinced that fraud had taken place. I was advised and assured that I would be receiving a letter and that the three credit bureaus would be notified. Nothing has happened and I want to be assured that my score is not harmed as a result of this fraud. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A bankruptcy is inaccurately showing on my report. It should be removed. This goes back to 2013. Please remove this from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Marcus Bank offered a savings deposit bonus. If you deposit XXXX for three months you receive a {$100.00} bonus. I have been told three times on the phone by the bank that I qualified for the bonus, but it hasnt been paid. Twice I was told it would be deposited the next day and it was not. The last time I was told the case has been resolved but they could not tell me when the bonus would be deposited. It has been more than 6 weeks since I qualified and they havent honored their promise. I have to think there are many other accounts in the same position. Please fix my problem and consider examining whether the bank is doing this to many depositors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The escrow account was established for loan XXXX in 2012 and was for illegally placed forced placed Harzard insurance on the account in 2012. The property was under a federal stay per the escrow history document in 2012. Docket 438 Stipulated Order granting conditional relief of from stay. File XX/XX/2012 entered on XX/XX/2012 per this document states that : The parties have now entered into a agreement in settlement of the Motion to Remove Stay as more fully set forth herein. The docket states that as of the date of the agreed settlement which was on XX/XX/2012 the debtor in possession shall continue the post-petition payments of {$130.00}. Per the last paragraph of Docket 438 the court further order that if the Debtor fails to pay future post-petition payments or the delinquency of thirty days or longer the Debtor or his counsel shall be served with a 10 day notice of default indicating Movants to file an affidavit and proposed order granting a relief of stay. This relief action never happened during the Federal stay on the property per the court Docket on file. The loan was paid per the reaffirmation agreement as court ordered. 
If the default is not cured within the 10 day period, then the automatic stay which is now barring any proceeds in foreclosure against the Debtor shall automatically be lifted upon the creditor The Debtor paid the agreed payment of {$130.00} as court ordered.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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