BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a credit monitoring alert stating that a new collection was added to my credit reports. Disputed the collection and it was verified by the collection company as accurate. In addition the balance goes up {$10.00} to {$13.00} every other week per the credit monitoring service. Prior to this debt being placed on my credit report I did not receive any notice about the debt. After disputing this debt with the collection agency I still have not received sufficient documentation evidencing this debt as mine. I have not received the contract along with any information identifying this debt as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been a victim of identity theft.

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 2022-09-14
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, my nephew sent me a text message asking me to send him some money. I sent him {$40.00} ; after sending him the money, my nephew called to tell me that he could not get into his account, so he created a new account. My nephew told me he had a new phone and could not access his old Cash app account. I contacted Cash app to inform them that I sent the money to my nephew 's account, and he can no longer access it. They told me to have my nephew contact them, which he did. Cash app told him they could not transfer the money to his new account ; then Cash app told me to request a refund because they could not send the money back to me, nor could they cancel the transaction. So I asked for a refund like I was instructed to do by a Cash app employee. Today XX/XX/2022, I looked into my Cash app account. I realized that the refund request had been denied ; I contacted my nephew to see if he had received the money or rejected the request for a refund ; my nephew told me, no, but he still could not get into the account. Cash app is not offering him any help, and he did not deny my request for a refund. I contacted Cash app to see what was going on with the account, and they rejected a request for a refund. They could not give me any information other than we can't refund your money back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: LA
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 am writing to dispute the accuracy of the information on my credit report. Specifically, there are several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) that have negatively impacted my credit score and my life. 

Firstly, with regards to my account with XXXX XXXX # XXXX, there are discrepancies between the reporting of XXXX XXXX and XXXX. While XXXX XXXX recorded a monthly payment of {$0.00}, XXXX and Equifax did not. Additionally, XXXX XXXX reported a late payment on this account, despite the fact that I have never missed a payment. These errors are in violation of Section 1681s-2 ( a ) of the FCRA, which requires creditors to provide accurate and complete information to credit reporting agencies. 

Furthermore, there are inconsistencies in the reporting of the last reported date and last active date for this account across different bureaus. This is a violation of Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

XXXX account, XXXX. I have never received any notification from XXXX regarding this charge-off account, and they have failed to provide me with any paperwork related to the charge-off. Additionally, the other two bureaus have not reported any negative information on this account. 

The inaccurate and incomplete information reported by XXXX has had a severe impact on my life. It has made it difficult for me to obtain credit, and I have been denied credit on numerous occasions due to this inaccurate information. I have been forced to pay higher interest rates on credit cards and loans, which has resulted in significant financial hardship for me and my family. 

I believe that XXXX has violated the FCRA, specifically sections 1681s-2 ( a ), 1681i ( a ), and 1681e ( b ), by failing to provide accurate and complete information, failing to notify me properly of the charge-off status, and failing to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

Furthermore, I believe that XXXX 's actions constitute unfair, deceptive, or abusive acts or practices, in violation of Section 1036 of the CFPA. 

Therefore, I am requesting that XXXX remove this unverified collection account from my credit report immediately. I would appreciate your prompt attention to this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: OR
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:
It is EXPERIANs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2021 and a 90 day late payment posted in XX/XX/2021. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts : XXXX XXXX services Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.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 other 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was fraudulent activity in my PayPal Credit account and I was charged {$630.00} on XX/XX/XXXX at XXXX XXXX  as well as on XX/XX/XXXX at XXXX XXXX {$10.00}. I tried to make a claim with PayPal Credit as it was an unauthorized charge and was right away denied a refund. Then I called when customer care was open in the morning and I was told that the account number changed which it thankfully actually did and that the unauthorized charge will be reviewed and a new claim will open. It never opened and it's still closed. I've been having a really difficult time getting the amount back that I never sent. It was sent to someone named 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 monetary relief
Consumer complaint received 2023-09-20
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2023, XXXX XXXX  A fraudulent account was opened in my name, and I spoke to several people trying to get it closed. None of them were able to close it, and I was told to send an email to XXXX XXXX XX/XX/XXXX I sent the email XX/XX/XXXX, XXXX XXXX  I received a new email telling me that a card was sent out to the address the fraudsters use, even though my credit is closed XX/XX/XXXX I again spoke to someone on the phone XX/XX/2023 at XXXX XXXX  I got an email saying the account was closed XX/XX/2023 at XXXX XXXX  I got an email saying another account in my name was opened, asking me to create a password

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent out a dispute letter certified to TransUnion per what the FTC requires, but they refuse to honor my request

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 2023-11-29
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called chime on the XXXX of XXXX to report a couple fraudulent charges on my account they opened an investigation and on the XXXX I received an email from them telling me that they're findings determined that they weren't going to reimburse me my money I canceled my cards and ask them what recourse do I have at this point because those were fraudulent charges and I also asked for them to send me what they're findings were.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was made aware on XX/XX/2023 about fraudulent charges on my prepaid Bank of America account provided by XXXX Ive placed the dispute but for some reason my account wasnt closed nor did it canceled any Transactions after that date I never lost the that card itself but some how someone has a something that gives them access to get atm transactions plus they manage to have control of card decisions its now XX/XX/2023 and Ive yet to be reinstated my money

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 2021-02-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX was my provider about 4 years ago ; I ended my service & returned equipment to a local Authorized XXXX XXXX ; it was a 1st party XXXX XXXX A couple years later, I was trying to buy a house & discovered a {$950.00} bill sitting on my credit. 

I went directly to XXXXXXXX XXXX ; they checked last time I had service ; confirmed I ended & owed nothing at that visit Ive had only XXXX since and reported disputes with XXXX & 1 of the others. Still showing {$950.00}. The debt had been sold to a collection and I tried to obtain the address service was started ; no luck. Someone setup service in my name!

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 2018-05-25
Company: HYUNDAI CAPITAL AMERICA
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:
XXXX keeps saying they fixed the problem, but it still show incorrectly that the account was settled for less than the full amount. ( see highlighted portion of XXXX XXXX   response ). 
This is costing me {$88.00} per month in extra payments on my mortgage. It's been incorrect since XX/XX/XXXX. XXXX keeps apologizing, but hasn't fixed it. I'm getting tired of waiting. My next course of action will be in court. I will try and recover damages for my payments due to their negligence. FIX THIS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief