BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
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:
Equifax mishandled my information which has led to a breach that put myself, my family, and millions of others at potential risk. Further, Equifax has failed to professionally handle the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I was never the recipient of an email, letter, or phone call notifying me that my personal information was stolen, and instead found out via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square shut my account down after I had payments in the amounts of XXXX, XXXX, and XXXX go into my checking account from the same individual. I rent a room out in my house and was given a fake identity by XXXX XXXX a customer of one of the Squares companies Cash App. XXXX came to me and said his mother died and he needs money for burial expenses. XXXX sent the money to my account immediately so I had no reason to believe that my money wasn't safe. It started out at XXXX XXXX and went up because of what I was told was incidentals. Square deactivated my account and sent me an email saying my funds would be deposited into an account with the wrong name in 120 days. This was my paycheck money, not extra cash I have around the house. XXXX XXXX turned out to be a conman and I notified the company at once so they wouldn't return any money to him. Square blocked me from messaging them and doesn't have a phone number to call. I however have been in contact with Cash App. They have been providing information and advising us. Under Arizona Law, a transmitter can't hold your money for 120 days to collect interest for their company. They are also a Bank so this makes it also illegal. XXXX XXXX is a XXXX  on the run. I have attached documentation to prove this and my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Accidentally sent money. IT WAS QUICKLY REFUNDED BACK TO ME, BUT I CAN NOT ACCESS MY REFUND AND I DONT KNOW WHERE THE MONEY WENT. AS ITS NOT HIT MY BANK ACCOUNT YET. CASH APP IS SCAMMERS AND I WANT MY {$300.00} ASAP!! THAT MY LIGHT BILL MONEY & IM IN THE HOSPITAL AND WILL NEED MY LIGHTS ON FOR MY XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am in the process of disputing a transaction for {$740.00} with Citibank NA. This transaction was charged to my bank twice, and disputed twice. I was given a provisional credit for the first dispute. When I filed the second dispute, I also created a stop payment, which prevented the funds from being removed. Because of the stop payment being in place, and the funds not being removed, I did not receive a second provisional credit. Citibank, however, debited {$740.00} from my account on XX/XX/2019. When I spoke with them about this, I was told they were removing the provisional credit from my account for the second dispute. I tried to explain to multiple representatives and supervisors I never received a provisional credit for this, and they were taking my bill money. 

I am required to be given proper notice before they remove funds from my account, and I was given none. They are claiming they sent me a letter, but this letter was never received. If they had of in fact sent me a letter, I would not have been on the phone with them for three hours today being ran around in circles after the fact. I'm supposed to trust Citibank with my money, however, when I put my bill money in my Citibank account, they help themselves to it without notice. I am not being placed in a financial hardship as a result of them stealing {$740.00} from me without notice. They were not supposed to take this money, as no credit was given a second time. They were also supposed to notify me, they did not do this. As a result, I can not pay my bills. They refuse to return the money and give me a proper notification of removal at another date.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-05
Company: Conn's, Inc.
State: TX
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:
I received a call from Conns on XX/XX/2022 attempting to collect payment on my account, rightfully so. I spoke to a guy named XXXX XXXX set up payment arrangements with so that my account could be paid on XX/XX/2022. After I set this arrangement he tried to get me to pay half sooner, I declined, he then stated that I would get late fees, I let him know I understood. Lastly, I asked if the calls would stop since I made arrangements. XXXX then told me that they would report my account as a way to deceive me into making a payment sooner. I never asked anything about credit reporting. I am making this report as I feel that these deceptive practices may be happening not only to me, but to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts as I don't know who's they are. Please remove them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian has been dragging their feet when it comes to correcting my credit report. They were notified of the issues I was having with my credit report on XX/XX/2022, and I still have not received a response or any resolution. They are stalling and are harming my reputation and violating my privacy in the midst of it all. The following accounts are to be permanently deleted : XXXX XXXX  XXXX  You all never verified that this information was accurate before placing it on my credit report. I have the right to fair and accurate credit reporting pursuant to the FCRA ; this negative inaccurate and unverified information listed on my credit report is exact opposite. Experian was supposed to let me know that this account was going to be reported before it even hit my report and was supposed to give me the opportunity to direct that such information not hit my report. These transaction were not a matter of public knowledge or record and it is an invasion of my privacy which Congress says that I have a right to. Congress also says that they only have 30 days and it has been well over 30 days and I have not received any response. Pursuant to 15 USC 1681i, I want a description of the investigation procedure that took place as it relates to the above mentioned accounts ; who did you all speak with, what are their addresses, what was asked, what was said, and when did this take place?

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX, 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 an 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 2019-09-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
On XX/XX/XXXX I filed a complaint with your agency ( complaint ID XXXX ) regarding a lost check of {$660.00} not being applied to my NMAC account and my credit score reflecting this. The company sent paperwork XX/XX/XXXX stating the issue was resolved and I was satisfied because my report showed a {$0.00} balance. Unfortunately, after your agency closed your investigation, NMAC doubled back into my XXXX credit report and reported a late payment for XX/XX/XXXX, which is damaging to my credit, as late payments stay on your report for 7 years. The car was totaled on XX/XX/XXXX and in XX/XX/XXXX i was still fighting to have them credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
RE : Honda Financial Services and American Honda Finance Corporation and XXXX. 

I understand that XXXX has some problems recently where they were incorrectly reporting a significant number of peoples XXXX accounts; thereby denying them credit or driving a credit score that drove their score down. 

I was denied credit by Honda Financial Services and American Honda Finance Corporation. My credit score with XXXX, at the time I applied for the loan was over 700. As the declination letter from American Honda describes my XXXX XXXX score of XXXX was the reason for declination. The difference between the score reported by XXXX and American Honda is a significant difference. XXXX also sent me a notice that they changed the recipe to develop my XXXX score. This sounds fishy as their score is the bedrock of the credit industry and they changed the recipe to cook a different brew of XXXX. 

I believe that XXXX reported my credit incorrectly and I want the CFPB to investigate this in lite of their changing their recipe and their failure to report correctly. 

The attached letter is a copy of what I sent to American Honda. This outlines my primary issue with American Honda and XXXX. American Honda Finance has not responded to my letter. 

Additionally, I also believe that American Honda has discriminated against me, violating my rights by using my age to lower my score on their non-published criteria. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts as I don't know who's they are. Please remove them!

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
XXXX, TransUnion, and XXXX are not complying with their own policies in a timely manner. 

On XX/XX/XXXX I wrote TransUnion, XXXX, XXXX About some inaccurate And Incomplete Credit information. and I Demanded to see Verified Proof. it XX/XX/XXXX and I have yet to hear back from either of the three credit bureau. with them failing to do so has hurt my ability to obtain credit UNDER FCRA UNVERIFIABLE ACCOUNT MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERFIABLE PROOF. YOU MUST REMOVED 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 non-monetary relief
Consumer complaint received 2022-09-05
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
It is my habit everyday to check my balance on my credit card since I got it and I pay it. I do not like to have any pending balance to pay. The XXXX day of XXXX, I notice an unauthorized charge with the following description : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX CO Digital Account Number XXXX {$1100.00} I called immediately my credit card company ( Citi Credit Card ). They told me the charge to wait until this charge is processed to take action, but I needed to call them the next day. I called the next day, and they canceled the credit card current card at that time, and they told me I needed to wait for the new one ; and regarding the fraudulent charge they told me I did not need to worry about it, that tell will refund me that money and this will happen in a couple of days or so. I wait, but it didn't happen, and I noticed they did not send me any email regarding my claim and I did not notice absolutely any change on my account ( and when I clicked on " dispute center '' it says : " You Dont Have Any Disputes to Display ''. I called again, but they told me they were working on it, but they do not have a satisfactory answer for my questions regarding the Dispute Center and why they did not refunded me. I called after that several times but they just told me words and promises and the charge is still there. They want I pay this fraudulent charge and I continue with them as if nothing has happened, but of course, this is a fraud! How in the world do I need to pay a charge I did not make? Do I am obligated to finance the work of criminals? Thank you in advance for your help.

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 2022-09-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed using XXXX. I was trying to sell something and the person told me to send {$500.00} to myself through XXXX to open the account. Then he said he sent {$500.00} and had me send another & XXXX to release the funds Of {$1200.00}. Then he told me there was not enough and I got what I thought was a letter from my band Truist telling me to send another {$200.00} to this Truist account. Pending in my bank account is the amount of {$1800.00}. The person keeps messaging me to send him his money he invested into the account. I have called my bank three times and they said they cant do anything while it is pending.

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 2020-06-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I closed account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX about 3 years ago. I closed the account at XXXX XXXX XXXX XXXX XXXX XXXX and paid whatever balances I had. Then I received a bill again after closing so I went to the XXXX XXXX XXXX XXXX XXXX and checked with them for whatever balances I have to pay, Then they told me to return the internet and cable boxes with XXXX and I did so this balance maybe voided. I checked with them for all my balances and there was none and confirmed that my account is already closed. Besides, I pay my bills automatically online. I was surprised that this company which really does not have any customer service ethics sent this alleged debts to various billing collector agents which have bugged me for more than 3 years now. This has even done a great dent on my credit score. During the first few months, I kept receiving calls and letters from them, just to settle the debts, I sent them a check for XXXX which they were asking at that time, I don't remember which collector that was. Since I'm paying online I don't have any receipts and I couldn't find the receipts I paid XXXX XXXX XXXX XXXX. 
Today I received this bill XXXX from ERC with all the provisions for payments. 
It is not that I do not like to pay, but I know in my heart that I do not owe XXXX XXXX XXXX any amount. Truth is they even duped us of the packages that they offered at that time. You can check all my credits and there isn't a single complaints on me except this, which I know I do not have any liability whatsoever. 
Please help me with this. I would appreciate should any action be taken especially now during this unprecedented times.

Company response to consumer: Closed with explanation