BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including XXXX '' TO PAID AS AGREED NO LATE PAYMENTS SEC. 4021. CREDIT PROTECTION DURING COVID19.

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 2023-01-10
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Friday XX/XX/XXXX at XXXX pm {$660.00} was withdrawn from my cashapp account. I woke up the next morning to find out the money was missing on my account. And was sent to another cashapp that is not mine. I did not authorize this transaction so I contacted cashapp support on the app, they said they would get back to me in a few hours and never did. I then tried to call and they keep saying they cant verify the information on my account. When I try to ask why they just hung up in my face. I feel so hopeless I work hard for my money. I cant believe they would play with my money like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: SC
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 LOOKING AT MY CREDIT REPORTS AND I HAVE A FEW FRAUDULENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME LOTS OF EMOTIONAL DISTRESS FOR MY FAMILY AND MYSELF. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILD WHEN THE BUREAUS ALLOW THESE ACCOUNTS ON MY CREDIT PROFILES? I RECENTLY APPLIED FOR CREDIT AND THESE ACCOUNTS SHOWED UP WHEN THE CREDIT CARD RAN MY CREDIT PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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: Public record information inaccurate

Complaint:
The XXXX XXXX XXXX XXXX is treating me unfairly. I am trying to legally change my date of birth to remove all old debts and false info which is affecting my ability to receive my USPS mail. They refuse to help me find scholarships and are not helpful. This is affecting my credit score. I think this school is suspect of fraud. 

This is a full time class. I need a large scholarship or loan to cover this.

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 2020-09-18
Company: EQUIFAX, 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:
I certified letters to these companies to open an investigation on accounts that are negatively affecting my reputation and credit profile to get clarity to why they were being listed. And I have yet to receive any proof of documents requested in my requests. During the months of XX/XX/20, XX/XX/20, XX/XX/20, I have reached out to these companies to rectify the matter and still to no prevail has the corporation complied or following the guidelines of the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX LATE PAYMENTS, 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 1681 SECTION 2A. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2019-11-11
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection : Opened XX/XX/2016 ( 3 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  Collections : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX In XX/XX/2016 I XXXX XXXX presented before XXXX XXXX XXXX XXXX XXXX  for medical treatment of XXXX  to XXXX  XXXX. Requiring XXXX, a follow up appointment was several weeks after and XXXX XXXX XXXX XXXX XXXX  proceeded with a collection mistakenly as during 1st visit cash payment was made and follow-up was to remove XXXX. 

Upon receiving a bill from XXXX XXXX XXXX XXXX IN XX/XX/2016, I contacted XXXX XXXX XXXX XXXX and was informed that the error was noted and would be fixed. However, collections continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: CAVALRY INVESTMENTS, LLC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a XXXX XXXX Credit Card. He ran up the charges to {$1100.00} and now Cavalry Portfolio owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM, XXXX XXXX SUBMITTING THIS COMPLAINT AGAINST XXXX XXXX XXXX XXXX AND THEIR IS NO THIRD PARTY INVOLVED. 
I DEMAND XXXX XXXX XXXX TO PROVIDE ME A COPY OF MY WRITTEN CONSENT AND WRITTEN INSTRUCTIONS TO FURNISH THESE FRAUDULENT & INACCURATE SAID ACCOUNTS ( EXHIBITS PROVIDED ). 
AND PROVIDE ME WITH XXXX XXXX XXXX XXXX. 
VERIFICATION METHOD TO " VERIFY " SAID ACCOUNTS. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2021-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Im a widow mother of XXXX kids and my husband died XXXX years ago on duty!!! I have information in my emails and also in mail saying that its money for survival families but some how cant reach it!!! Took out a loan for XXXX to go to school and then transferred after a couple months cause its was too much on me! Then decide to do home school! Then I applied For social security for my kids that haveXXXX and XXXX!!! Then I lost my house with everything in it and my identity was stolen so now I jus have unexplained bills transferred transactions and emails spams and so much and cant get back on track

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax caused me identity theft after they got hacked in XXXX. Its been years now and equifax still refuses to assist me instead sending me a letter stating I need to mail them my id which I dont have to. After 4 years of the fraud caused by equifax I filed bankruptcy chapter XXXX on XX/XX/XXXX Chapter XXXX. Equifax has accounts on my file that say they havent been updated since XXXX which are fraud. XXXX XXXX was included on the bankruptcy petition. As was prosperity, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. These are all discharged debts yet equifax reports these as charge offs instead of bankruptcy chapter XXXX discharged. This is against the law. None of these debts can be collected legally any further as they were discharged. I do not owe these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-05-16
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage services my loan. I made my XXXX payment on XX/XX/15, on Freedom Mortgage 's website. I receive an email confirmation of my payment. On XX/XX/XXXX, I realized the payment did not get processed. On XX/XX/XXXX, I called Freedom Mortgage and discussed the issue with the representative and faxed the information I had showing I made the payment. On XX/XX/XXXX, I made both my XXXX payment ( again ) and the XXXX payment. I sent Freedom the confirmation number I received when I originally made the XXXX payment. In addition, I included the transaction history from their website showing I made the payment. I never have missed a payment and sent them the information showing I made the payment. Apparently, when I entered my checking account information when I tried to make the payment in XXXX, I mistyped one number of the account number. I did not realize that as I received an email confirmation that the payment was received. I sent Freedom everything I could think of to prove I made the payment and they are not reversing the late reporting. This has caused my score to plummet almost XXXX points and has severely damaged my credit rating. 

I attached a document from XXXX 's site showing the payment history. You can see on XX/XX/15, that I made the payment. The payment was reversed on the XXXX, but I was not aware of this until I realized the payment never processed. I also can send a copy of my bank statement showing I had more than enough in my account to cover this payment. Freedom Mortgage did not call or email me to make me aware of this issue.

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 2021-02-02
Company: AMERISAVE MORTGAGE CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XXXX I applied for a home refinance laon with Ameriave. They gave confused repsonses and no one seemed to know what they were doing regarding my application. I withdrew my application ( XXXX XXXX ) in writing. 

Now I just received an adverse credot letter that they refused to fund me because of inadequate documentation. 


This is what they just sent me : Dear XXXX XXXX : After reviewing your application, we have closed your file for incompleteness or we are unable to approve you for a loan program. Thank you for allowing AmeriSave Mortgage Corporation the opportunity to assist you. Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. 



Warmest Regards,

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 2018-11-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The 7 years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
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:
XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
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:
According to the new FCRA act any collections that are still reporting after 2 years need to be permanently removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: General Motors Financial Company, 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:
Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive Americredit Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX   Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Santander Consumer USA 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:
Back in XX/XX/XXXX I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/ Misc. 

XXXX XX/XX/XXXXInquiry fromXX/XX/XXXX XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX Finance XX/XX/XXXXInquiry fromXX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/ XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/ Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since I was adequately the noticed about the interest charges. I never enrolled for a Paperless statement, the system shows I am enrolled for paperless statement. Once I logged in online then only I was aware of the interest charges charged to my account. The interest was charged to my account on XX/XX/XXXX and I paid the balance in full on XX/XX/XXXX. Since I did not have knowledge about the finance charges I would request to waive the interest charges on my account. I paid the entire balance in full as soon as I realized the account is accruing interest. So I want to dispute the interest charges in my account. Also I paid all the remaining balance I was due within XXXX weeks of time, once I knew the balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-07-11
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Monday at XX/XX/21 at XXXX I purchased a Vanilla Visa Gift Card for {$200.00}. There is a {$6.00} Purchase charge so {$200.00} total. I have the card on me and when I call in, I'm informed that I have a balance on the card. I can't use the card. Vanilla has informed me that someone has said that the card should be locked. I don't understand how that is Possible because the card wasn't even open yet. When I called Vanilla to explain all this. They told me that I need to send them a picture of my government ID, a picture of the gift card front and back. As well as a receipt of the purchase. I have all these things. However, they were suppose to email me a portal to send all this information too. My email is XXXX. They haven't sent me anything. There is nothing in my spam account. They keep saying check all mail and spam and nothing comes up.

Company response to consumer: Closed with explanation