BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With strong consideration of the Case XXXX brought against Transworld by the CFPB in 2017 ... I am experiencing the same issue with this collection agency. 

Transworld is refusing to remove an account from my credit file. Transworld is refusing to validate this alleged debt placed on my consumer credit file. 

Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating a paid is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractual documents stating and proving that I agreed to and that I am responsible for this account. There have not been any agreements baring my signature provided. Therefor, TSI has no legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please remove the highlighted accounts from my credit report from your files. This is becoming a burden and it isn't fair.

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 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My husband died on XX/XX/XXXX. I learned recently while doing other work on line that his name was never removed from my checking account..even though at the time of his death, supporting documents were all submitted as requested. When I called to correct this, I was told that yes, they do have his death certificate on file, but they would have to refer me to the Bank of America Estate Unit. I received a case file # and a case manager who directed me to download tax form L-8, fill it out, have it notarized and submit it along with another copy of the death certificate. I did so, however, I was unable to fill in the balance available in my checking account on the day of his death, because it was almost 12 years ago! I was told by the case manager when she received the document, that I must call account services at my bank and they would provide me with that number. The next day I spent hours on the phone talking to at least 6 different people, none of whom could furnish that information, because apparently records are retained for only 7 years. Why didnt my case manager know this? I emailed her on XXXX, XXXX explaining that i was unable to provide that number and why. I also explained that the encrypted email that she had sent me I was unable to open. My case manager called me today to once again insist that a number must be placed in that tax form box, even if its the number of my current balance. I also learned that a 50 % hold had been placed on my checking account! No wonder when I tried to pay bills on line yesterday all of my payees had disappeared and I was on the phone again trying to diagnose that issue for at least 90 minutes including hold times.Today I find out that the automatic payment to my home mortgage company was returned due to lack of funds because of this hold. 
As requested, today I downloaded a second L-8 form, filled it out, had it notarized again, and I also included copies of letters from XXXX  court granting me guardianship of my husband when he first fell XXXX  in XXXX. These I mailed today. In the meantime I have no idea how many bill payments will be sent back due to this entirely unnecessary hold on my funds. This matter has been grossly mishandled and I am livid.

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 2020-09-02
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Between XX/XX/2020 and XX/XX/2020 a series of unauthorized transactions were made from my cashapp account. The transactions were six P2P transaction for {$160.00} each and 5 transactions using a card and pin for {$5.00}, {$6.00}, {$13.00}, {$11.00} and for {$41.00} respectively. I've contacted Cashapp several time and explained I did not make these transactions, I did not authorize them and my physical cashapp card was never out of my possession in New Jersey. So it would be impossible for it to have been used in XXXX Florida. 

Cash App Support responded that since the transaction in question was from a known device and this device had accessed my cash app account prior to this event. They do not have enough evidence to determine the activity was unauthorized and denied my claim. 

Cash app terms of service ( 4. Your liability for Unauthorized Transactions ) says " We will protect you from Unauthorized Transactions in you Account. '' these are clearly unauthorized transactions as defined by the cash app terms of service " An " Unauthorized Transaction '' occurs when money is sent from your Account that you did not authorize and that did not benefit you. '' and cash app is refusing the protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
This XXXX/XXXX  has been fraudulently and i called the collection agency and requested original documents that show proof of account being mine which was requested a week and a half ago, they have not complied.

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 2021-11-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Account status incorrect

Complaint:
I have been contacting Experian since 2018. Their website/portal inaccurately states that I have a late/derogatory payment. All of my accounts have always been current. When you expand the payment section on their site, it states that there are no late payments. My credit report supports the fact that I have no derogatory information on any of my reports. I spoke to the tech team who advised it is a technical glitch but it shouldn't affect anything. When I pull my FICO score through XXXX XXXX, it shows a lower score due to a serious delinquency being reported by Experian. No delinquency can be located because it doesn't exist. I have opened numerous tickets with Experian and they go unresolved or I never hear back. They even stated I never received a resolution due to the fact that I have a free membership. They provided me a free membership due to the fact that they were breached! 

It has affected credit decisions. I need them to fix the technical issue and remedy the situation. I have enclosed screenshots of the site, old reports, current reports. Please have them provide updated copies which will prove they're reporting inaccurately.

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 2019-08-14
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Synchronyc Bank This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors

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 2020-02-12
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:
I was told by my bank lender that I was not approved for a personal loan I had applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX {$920.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX  XXX {$730.00} XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2020-10-15
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my 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
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my consumer credit report I noticed several unauthorized inquiries and public records.

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Prior-I filed a report advising that Transunion is reporting inaccuracies on my report and refuse to validate and or correct. My complaint number is XXXX. Transunion responded to you as well as I, that the debt is validated. Transunion is violating my Fair Credit Reporting rights ( 611 ).  Please see all attachments whereas, XXXX XXXX did not validate this debt, the Bankruptcy court did not validate this debt yet-Transunion refuses to disclose the source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below or a letter from the actual court regarding the alleged Bankruptcy on my account. XXXX  nor XXXX  is reporting this information, why are they? The document Transunion sent is not sufficient proof that this debt was vaidated. Lastly, the names on the credit report and the alleged account do not match.

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 2017-08-07
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit 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 2020-09-02
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:
Ran my credit report due to drastic 100 point drop in my credit score. 
Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: LA
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:
The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: VA
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 accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month. Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.

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