BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, XXXX, Experian.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on 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 2018-03-28
Company: Bliksum, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018, XXXX XXXX with XXXX XXXX XXXX contacted my boss after I spoke with her and she confirmed that she had already confirmed my employment. She left a voicemail for my boss, and requested a call back in turn causing emotional distress to me. She had no reason to speak to my boss after speaking with me and confirming employment with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection is based on equipment that was dropped off to the XXXX XXXX XXXX store over a year ago. I also paid the final bill, so there is no valid debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
1. Never received first bill from Target.They are now trying to charge a late fee while i never received first bill AND they have messed up my account so i can not login to pay them with my same email ( seen here ) 2. Tried to cancel another store card with them which they refuse to cancel. still shows active in portal etc despite them saying its cancelled. Need this fully cancelled and need this done so i can use this account with my email for the new care ( see part 1 ). Semi related to above due to old card messing up the portal and keeping me from paying. 


Had one of their collectors call me the other day which is when i realized payment was even late. I knew i had one due and was hoping would fix these issues before then but now I need late payment removed and this fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/2020. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company.

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called Transunion and XXXX  in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.

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 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint against TransUnion. I submitted a dispute asking that they verify an account as accurate. They claim to have completed the investigation but nothing changed. The inaccurate information is still reported and this is damaging to my ability to secure future credit. 

The account that was disputed was a XXXX XXXX  credit account # XXXX The account is inaccurate across the 3 bureaus in several areas : Date opened, Date Last Reported, and the ones that affect me are Date of Last Activity and Date of Last Payment.

How can there be such a gross difference between the reporting agencies if the account is VERIFIED as accurate.

I believe TransUnion is in violation of the FCRA and they have violated my rights as a consumer to have an accurate consumer report. Their investigation does not appear to be complete and they reported it as otherwise. They did not provide me any of there information that has been outlined under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ).

15 U.S.C. n1681 s-2 ( A ) ( 1 ) suggests that a PERSON ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the PERSON knows or has reasonable cause to believe that the account may be inaccurate. 

The information is completely inaccurate and I ask that the CFPB investigate on my behalf to help remedy this erroneous information. 

Thank you.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. 

Here is the remaining account : XXXX XXXX XXXX Balance : {$5800.00}

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
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 XXXXXXXX 15U.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.

15U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: ONLINE Information Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening ; Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CURO Intermediate Holdings
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: Account information incorrect

Complaint:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021, I purchased a vehicle through Credit Acceptance Corporation. I paid almost half of the balance owed before the car was turned in with a balance of {$8600.00}. I tried to negotiate and keep the car even though it was a lemon, and I spent several XXXX XXXX XXXX trying to fix the vehicle with a car payment. I also became XXXX  XXXX  after this because of the XXXX  I endured after putting money towards a vehicle that I no longer have and its on my credit file as a repossession that is affecting my credit worthiness.

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 2019-12-26
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
On XX/XX/2019, Santander acquired unauthorized access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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: Personal information incorrect

Complaint:
I was trying to make a large purchase at a furniture store and in order to do so they needed to pull my credit. I was advised there was no information for the ss # I provided. A search was conducted several times but to no avail and was advise to contact Experian to see why there was not information with the ss #. I called several numbers for Experian and could not get to a customer service rep due to the automated system does not have the option on any of the # 's I tried. ( XXXX, XXXX, XXXX ) This is very frustrating since it took me over an hour to finally find a number to transfer me to a customer service rep. I finally found and called XXXX and waited for 15 minutes for a representative. He advised the report pulls fine and the lender must have done something wrong. I am not satisfied with that response and an investigation is in process to see if Experian can figure out what went wrong. 
My complaint is more about the consumer is not provided an option in the automated system for the numbers ( XXXX, XXXX, XXXX ) to transfer to a representative. All numbers should have an option to speak to a live person.

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 2023-02-20
Company: EQUIFAX, INC.
State: WA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2019, XXXX accessed my credit file without my consent

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 2018-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Today, I paid my credit call bill with XXXX XXXX XXXX XXXX card. I asked them if I could have my interest rate lowered due to me having great credit. They told me they could check to see if that could happen, 1 minute later the rep over the phone told me that it wasnt possible because my 15 % apr rate was the lowest. My APR rate was increased without my knowledge plus my credit line last year. I asked for my credit line to go back to where it was before which happened but not my APR rate. I asked to be transfored to a financial department that makes the decisions on APR rates and was denied. Chase told me they could not handle my requests. I was transfered to XXXX card financial department and they told me they couldnt help me and knew very little about Chase bank and the type of deal they have with Chases card services. They only encourage consumers to use XXXX Rewards for 3 % cash back. I then told them I am filing a complaint with CFPB but referred to you guys as the credit consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I have been dealing with Nordstrom with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am seeking your intervention and writing this complaint because I have not received a satisfactory resolution or explanation from CASHAPP. 

ISSUE : CASHAPP charges a {$.00} fee for each debit transaction I make from my bank account. My bank stated they are not charging the fee, but it is CASHAPP that is assessing this fee. I contacted CASHAPP to obtain an explanation. I spoke with a representative named, XXXX on XX/XX/2022. She stated that I would need to setup an account in order for her to assist me. I reported that my account is set up. She stated that to set up an account, I would have to request a cash card so she could verify my account. Why would I need a cash card when my CASHAPP account is tied to my bank account? I explained that I was having trouble understanding the nature of this request. Why would I have to set up an account and get a cash card in order to find out why I am being charged XXXX cents. I then asked to speak with a supervisor. XXXX stated that I would have to set up an account in order to speak to a supervisor. This is ridiculous, I am just trying to obtain an explanation as to why I am being charged XXXX cents when I send someone money. The CASHAPP site does not explain what would prompt a fee being charged. I have spoken to other people who have CASHAPP who send money and they do not have a cash card nor being charged XXXX cents. 

Your intervention in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: TX
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:
By the Fair Credit Reporting act XXXX XXXX XXXX Credit Card 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Turning Point Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company is in violation and performing an infringement upon a consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO MY FILE WHILE I WAS XXXX, I NEVER BENEFITED FROM THESE ACOUNTS OR INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: FCC Finance, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
His Name is XXXX. His direct number is XXXX. XXXX, TX. 
He has called me on several occasions. over 40. He has called and threatened my Social Security, My husbands SSI and Pension. He tells me what a terrible person I am. and how can I afford anything I have like a phone and not pay them. Now, he is calling on my phone but when I look it is my daughter 's number. It looks like my daughter is calling me and when I pick up he say 's " Hello. How's it going? I can still get you ''. 
I am being stalked by this man in Texas. He is scaring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation