BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: DISCOVER BANK
State: AZ
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:
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: TX
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 accounts are fraudulent : XXXX  XXXX XXXX XXXX {$880.00} XXXX {$1000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$2700.00}

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 2021-08-29
Company: Upgrade, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021 I applied for the loan, for repairs on a vehicle. The company advertised as a same day loan service. They said I had been approved and should receive my money within 72 hours. A week later I called and they said due to staffing issues it may take 10 days.

I called 2 more times and was told withing 24 hours. I have emailed them multiple times with no response. Meanwhile I'm slammed by other companies that they sold my information to. When I called today, after being put on hold for over an hour, was told I couldn't cancel the application so if I went elsewhere I'd likely have 2 loans to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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. I didn't authorize these inquiries, and there the name is wrong on my credit profile Please delete them immediately.

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 2021-07-20
Company: Experian Information Solutions 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:
These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!

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 2023-07-04
Company: DISCOVER BANK
State: VI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In Mid XX/XX/2023, I have set up a personal loan with Discover Personal Loan Recovery Team. I made a payment before XX/XX/2023 and on XX/XX/2023. The account supposed to be settle in full. I spoke to XXXX XXXX XXXX in the Recovery department stating be Paid in Full on credit reporting agencies. Also, I never received a copy of the account being satisfied for the settlement agreement. I would like a copy of the account being settle in full on company letterhead. The agreement should stated the account won't be sell to another debt buyer. 


Also, I received email stating my address isn't correct. Which is correct. The address is part of the XXXX XXXX XXXX program. My address is confidential per the law. Failure to honor that will result in legal liabilities for Discover Personal Loan if its made public. You can send my documents by email per our agreement when the settlement was established. XXXX or XXXX promise it be email and it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
They keep putting inaccurate remarks and information on my credit report every week causing my score to drop every week. These remarks and inaccurate information needs to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
my uncle owes a debt to this company and it has a lien on my property. i have called many times asking for some time to come up with XXXX dollars. and they just gave me 3 days to come up with that money. one of the employees named XXXX told me that that was the only deal to come up with XXXX dollars in 3 days. The other person is the attorney XXXX XXXX he told me the same and i asked for a payoff demmand letter until the XXXX of this month XXXX XXXX he said he doesnt know he will let me know in a few days still no response. i want to pay but they are being unhelpful and mean to me i feel helpless i tried to make a complaint on their section and they told me the only one that could help me is XXXX XXXX. i need a payoff demand letter for the XXXX to pay and have that release of lien on my property. i need help from someone. i cant sleep and feel worried at work and home. please help me.you czn clearly see on the letter was written on the XXXX of XXXX and they demanded me to pay 3 days after only on the XXXX of sep. XXXX they dont want to give me a reasonable amount of time and im borrowing the money that takes some time. i need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: MO
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MN
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 accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Closed XXXXXXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX XXXXXXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/XXXXXX/XX/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 2023-10-06
Company: Block, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Tried to make a purchase through AFTERPAY, said purchase defaulted to my credit card of {$120.00} and is already paid for and AFTERPAY is still charging me as if order is not paid ( {$140.00} ), can not get a hold of customer service, no one is trying to resolved my issue instead being forced to pay for something I already paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXXXXXX XXXX XXXX XXXXXXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Cascade CISS Holdings, LLC
State: OH
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:
I was shopping for Mortgage and auto loan. All of a sudden I get all this inquiries more than XXXX inquiries which has affected my credit. At this moment my loan cant be approved if they are not removed. Without this loan I will lose it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2020-04-30
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019, I sent a transfer of {$1100.00} to an acquaintance. The screen prior to confirming the transfer stated that " You'll send {$1100.00} USD '', " You'll pay {$1100.00} USD '', and " [ acquaintance email ] will receive {$1100.00} USD ''. Therefore I expected the recipient to receive the full amount, but in fact he had a significant amount deducted before receiving the transfer. It is unreasonable to claim specifically that the recipient will receive a certain amount and then take a fee such that he doesn't in fact receive that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Capital Management Services, LP
State: VI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I contacted XXXX XXXX XXXX to obtained information by mail and phone. I called from XXXX. The rep hung up. I sent mail for other a year no response. I'm trying to obtain information for XXXX XXXX XXXX. However, no response from the company. I would like the initial letter from your company, including the loan documents with my signature on them to examine and inspect the account in question. After, receipt of the document, if the loan is determined to be mines. I would like a settlement between 65 % -75 % of the balance. I would like a letter from discover that they agree to not sell the account if such action for settlement is reach. 

Also, I would like the status on account and the age on the account. If, the account is time barring. 

This company doesn't have a business license in this territory. If so please provided your business license 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 2022-03-15
Company: Mercedes Benz Financial Services
State: MA
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:
My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the violation you have committed against me. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] EXCLUSIONS- : Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2023-04-18
Company: DISCOVER BANK
State: VI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I contacted XXXX XXXX XXXX to obtained information by mail and phone. I called from XXXX. The rep hung up. I sent mail for other a year no response. I'm trying to obtain information for XXXX  Personal Loans. However, no response from the company. I would like the initial letter from your company, including the loan documents with my signature on them to examine and inspect the account in question. After, receipt of the document, if the loan is determined to be mines. I would like a settlement between 65 % -75 % of the balance. I would like a letter from discover that they agree to not sell the account if such action for settlement is reach. 

Also, I would like the status on account and the age on the account. If, the account is time barring. 

This company doesn't have a business license in this territory. If so please provided your business license XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since XX/XX/2022, Ally Bank 's debit cards have not been working for a number of customers including myself. I called to find out why my debit card was not working on XX/XX/XXXX, and was told that they were issuing new cards to customers due to a change of a back end system, and all affected customers ' current cards would not work and we need to wait until the new card arrives to activate that card. For me, this is expected to happen on XX/XX/XXXX. As a result, I have not had access to approximately {$13000.00} of funds in my accounts and won't until the new card arrives. Ally is not able to provide a work around for this, and is refusing to help make things right with account holders such as myself.

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 2020-03-05
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Your options for the problem do not provide the actual issue. Square Inc who owns Cash App has not be able to provide a PIN # FOR MONTHS. One of primary issues, is all the communications to and from is via email. This is not proper customer service and is unacceptable. At lease allow their agents to call the consumer back instead of sending an email. As the email may not answer and respond back that may take another 2-3 business days in addition to the original 2-3 business days originally. Therefore, this back and forth could take about 2-3 weeks. To get an answer to an issue is not the best customer service a business can provide. I have another issue with their verification service PLAID. I need manual intervention to help get my account set up but I no one has been able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I submitted a permanent opt-out to stop receiving credit card offers in the mail, yet Citi has chosen to completely ignore this request and still sends me junk mail all the time. I've reached out to Citi XXXX asking them to stop and they won't.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 explanation