BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
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:
We refinanced our mortgage with XXXX ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on XXXXXXXX XXXX end, we asked our bank XXXX XXXX XXXX to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Square Inc
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My identity has been stolen. An account was opened up with Cash App in XX/XX/2019. I have been attempting to contact this bank every since. In order to contact them, you must sign into your account. As I do not have the information for the account, I can not sign in and contact them. 

I have been attempting to contact their fraud department for over a year now with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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 is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been a XXXX XXXX customer since 2023 and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : XXXXl & quot ; adjustment to your reporting to the three credit agencies. I have two negative inquiries on the above referenced account that date back to XXXXSince that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that Equifax and XXXX is willing to work with me on erasing this negative inquiries from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Today, I found out from the credit report provided by XXXX that MICROBILT which is unknown and strange company to me got my credit inquiry on X/XX/2017. Also I got to know that the company 's business type is auto reseller. In fact, I have already bought a car with finance on XXXX, 2017 and do not have any reason to ask credit inquiry about the automobiles at that time. 

At the moment, there was no amounts or actions disputed with them. Nonetheless, I am very sensitive about why they tried to get my credit inquiry because I did not give my permission to them as far as I remember. I appreciate you slove my issue as soon as possible. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint is with t he Barclaycard " Gold Card ' ' credit card, that prior t o   XXXX    2016 allowed Service Members to not pay the annual fee for the primary and additional users and receive a 0 % APR for duration of   XXXX   XXXX   XXXX  . After   XXXX    2016 the company changed its policy and stated that the previous requireme nt was null and void and now all  XXXX   XXXX  would be required to pay the annual fee of {$990.00} per year. This change greatly affects the terms and conditions that were presented when I activated my membership on  XXXX   XXXX   2016 . I have the letter stating that in  XXXX   2016 , I would not need to pay the annual fee, not pay an additional user fee and I would receive a 0 % APR for my duration on  XXXX   XXXX   XXXX . I thank you for your time, feedback and support.

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 2017-12-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was given money via PayPal sent to me using the friends and family method upon trying to withdraw it to a previously verified checking account the transfer was reversed my balance was then frozen, and I was only shown a screen that stated that I was not allowed to have a PayPal account, saying I was in breach of thunder user agreement. I did nothing to warrant this. I followed the agreement 's guidelines explicitly. At no time did I stray outside of those guidelines. When I attempted to speak to a representative I was informed that they were going to keep my money for 180 days. I was shocked by this because PayPal is not only pretending to be a bank, when in fact it is illegal for a transmitting company to operate under banking guidelines, but they were going to do so under false pretenses of protection. It clearly states in the user agreement that their protection policy does not apply to any transaction including birth buyer or seller ( of which I 'm neither ) if money was transferred via friends and family. No goods or services were exchanged so chargebacks do n't apply. 
The next representative I spoke with told me to withdraw my funds I had to send them a copy of my ID. That no one had ever been able to withdraw funds without an ID. In the user agreement it states to withdraw funds you must 1. Verify a bank account. - I did that a month ago 2. Verify a debit card- also did that a month ago 3. Upload a copy of social security card - done weeks ago.

The agreement states that if at least 2 of those actions are completed a account holder may withdraw funds. 
Unless you 're me. Then your XXXX money is frozen and you get lied to by PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: EZCORP, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The debt collector stated i owed money for a company i never heard of, they were rude and threatened to send authories to my work site. I asked can they send me a writted verification letter of debt and they told me they were not going to and does not have to. I have the phone number attached XXXX. When asked to speak to supervisor about the previous worker spoken to the supervisor threatend and cussed me out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX 2017 I disputed a report from TransUnion regarding an old XXXX account that is well past 7 yrs old. It is still under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have submitted a prior complaint regarding Comenity Bank. I mailed my bill on the XXXX of XXXX. The check cleared XX/XX/XXXX. My new statement reflects no payment received and a late fee. However aforementioned the check was processed and now I owe a late fee. Ironically, in speaking with the customer service from my first submission, she admitted that her company was trying to figure out how to process payments faster. In the meantime, customers are charged late fees for their inability to process payments in a fair and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Radius Global Solutions LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for and was approved for a personal loan in approximately XX/XX/2004. I received the money, paid off some credit cards and other bills and started making payments on the loan. Right around that time my father died, several months after his death, I received a small amount of life insurance from his death that my mother had given me. With that money I paid off this debt. I do not have any records as this was approximately 14 years ago. I have never been contacted by any collection company about this debt until now, 15 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: ALLY FINANCIAL INC.
State: IN
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:
On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.

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 2021-10-18
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 dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: SunTx Capital Partners
State: IL
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:
Freedom Truck Finance ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) ran my credit without me knowing.

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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a mobile banking app called XXXX XXXX  ( member fdic ) I was trying to transfer my savings to my new bank account I have with capitol one unfortunately capitol one froze the account because XXXX is an prepaid bank.. so I told them I can provide any information you need to prove and show you that every dollar belongs to me and they are really not trying to hear me out and is giving me a hard time its been a week.. everythings legit I have paper work, bank statements, emails, screenshots etc proving this is mines and that I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
About a year ago I opened a credit card with Mattress firm/ Synchrony Bank and signed up because they offered no interest for four years and a low payment of {$48.00} a month. I paid more than the minimum several times and did fall behind due to car issues that took priory. 

Last month they closed my account on my credit which hurt my credit and per my credit I was always on time with Synchrony and paying down the balance to show I had more credit available. I did not know they closed it till I received a credit alert from XXXX   that my credit had changed. I contacted Synchrony and at first they could not tell me but after I expressed my frustration they were able to " find the letter they sent me '' and it stated due to my credit they decided to close my account, even though I was never late according to my credit report. It is in their contract that they will monitor your credit and have the ability to close the account if they wish. If i would have known they were monitoring my credit when I signed up, I would have never accepted the terms. 

Currently I owe them for my XXXX payment and they continue to call me 5-6 times a day, sometimes leaving multiple voicemails. I intend to pay next week with my pay check and let them know they are to stop calling me. But I feel it is a form of harassment and deceptive practices. 

They are quick to grant you the fiance then are quick to close it which does nothing but hurt the consumer. I will never sign up with a Synchony bank provider and it is sad because there are a lot of companies who use this provider to service their finance.

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