BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX my cash app account started having fraudulent activity. I attempted to transfer {$1800.00} to my bank via deposit through cash app. I had never had any troubles with this app. The transaction said " instantly deposited. '' I was charged an " instant fee '' of {$27.00} for making the transaction. However, my bank has confirmed no money was ever deposited from this transaction. My account also had withdrawals of several transactions of {$250.00}, {$250.00}, {$250.00}, {$250.00} {$250.00} totaling XXXX. That total plus the instant deposit cash of {$1800.00} totals {$3100.00} dollars that were unfairly hacked from my account. 

*cashapp is the company to seek reimbursement from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good Day I currently have XXXX credit inquiries from XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ). My credit report states this is inquiry Associated with XXXX is suppose to be removed on XX/XX/XXXX and it's now XX/XX/XXXX. I'm requesting that this inquiry dated XX/XX/XXXX be removed from my credit report, along with the one dated XX/XX/XXXX because this inquiry is associated with the XX/XX/XXXX to see if my credit is in good standing. I tried calling Equifax myself and the representative stated I had to wait for system to remove. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 fait credit reporting act XXXX  account number XXXX XXXXXXXX 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 2022-05-02
Company: Experian Information Solutions Inc.
State: SC
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 fait credit reporting act XXXX  account number 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 XXXXal

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 2020-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2020 I sent via certified return receipt mail ( attached ) data that included each the creditors request to remove fraudulent inquires off my Experian Credit File specifically that of XXXX Cards XXXX of XX/XX/2020 the next being XXXX of XX/XX/2020 and the remaining being that of XXXX XXXX of XX/XX/2020 since this date I have sent multiple disputes requesting the removal Of these fraudulent erroneous inquires., They Experian Credit Bureau have purposely and repeatedly ignored and failed to respond within thirty days of receipt of my request even though the individual letters from the creditors were attached thereto., In addition but not limited to, my XXXX  XXXX XXXX XXXX  changed my status to Paid As Agreed Back on XX/XX/2020 and it had been recorded and reported on my XXXX XXXX Credit File XXXX Also My XXXX  File as Paid As Agreed but my Experian File has failed to report the new status provided to them via XXXX XXXX XXXX XXXX , in no way am I disputing the account via XXXX XXXX XXXX XXXX , but I am addressing Experians lack thereof of not reporting what was provided to them as Paid As Agreed without the previously paid thirty days late portion., Experian has continually and continuously failed to respond via My Consumer / FCRA RIghts., It is my wish to first contact you and then seek out the professional services of my attorney to sue them for Willful Violation of My Consumer Rights., Please be advised that I am sending a copy of this dispute to XXXX XXXX XXXX XXXX  to verify in no way am I disputing this with them but rather the way in which Experian has been provided the new data back on XX/XX/2020 to my payment status to Paid As Agreed with the deleted previously paid 30 days late portion thereof

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 2018-02-27
Company: The Best Service Co.,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:
On or around XX/XX/XXXX I received a letter from " The Best Service Company '' attempting to collect on purported monies owed by their client " XXXX XXXX XXXX XXXX  ''. Subsequently upon receiving this notice I immediately contacted their company and requested pursuant to the Fair Debit Collection Act to provide me proof of validation. 

Subsequently on XX/XX/XXXX I received a package sent to an address I have not been associated with for well over five years and forwarded to my new place of residency. Included in that package was an application for membership with an address I have not lived at for almost 15 years but dated XX/XX/XXXX. Secondly the application provided my mothers maiden name as " XXXX '' which was never a name my mother has been associated with. 

Lastly, in a further review with our attorney we noticed a secondary signature of a persona I don't know or have ever been associated with me. In addition and according tot he review of the application it indicates a copy of a valid identification was provided which I previous requested but they have failed to adhere to this request. 

In closing, it was very clearly stipulated that this account was opened fraudulently and the original creditor was issued a police report. I requested copies of a valid identification due to the incorrect and fraudulent information included in the documents which to date has not been provided. In addition the signatures provided were clearly fraudulent and they have failed to provide accurate information. Instead their organization has acted like the judge and jury with fraudulent and frivolous information and they have failed to adhere to the requested documentation and properly communicate with the client prior to collecting on a well documented identity theft materials provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Self Financial Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I opened a credit builder account with the Self Lending website in XX/XX/2020 which states that after paying {$25.00} a month I would be able to build a credit history though a " loan '' and apply for their secured card. The requirements defined on their website to apply for the secured card is 1 ) a Self account, 2 ) {$100.00} in savings progress ; 3 ) three on-time payments - all of which I met. Supposedly, credit score is not a factor in eligibility in this program.

I have met all the requirements but when I inquired why I could not apply I was told that I still owed XXXX cents to bring my savings progress balance to {$100.00}. On a second inquiry I was told there was a complicated calculation for determining " savings progress '' and that my savings balance as " decreased. '' This was what I was told in a live chat with one of their representatives : " Inside your account dashboard, your Savings Progress is the approximate " cash '' value of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ). '' Clearly on the dashboard for the account, it says I meet all the requirements to apply for the card. It does not say " approximate cash value. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Good morning, I received a phone call from an unknown number at XXXX XXXX  on XX/XX/XXXX. There was a voicemail issued to me from a young lady from XXXX XXXX stating that I will be summoned with paperwork to my address & that paperwork will be issued to my verified place of employment. The number was ( XXXX XXXX XXXX as a call back & the reference number was # XXXX. 

I called back to XXXX, XXXX XXXX XXXX and was connected to representative ( paralegal? ) XXXX XXXX. XXXX XXXX was rude & told me I was wasting his time by insulting his intelligence, and he also told me that I obviously dont understand how credit works when I notified him that I do not recall having this account. I notified him that I disagree with the allegations that this is my account. His aggression was not necessary. Apparently, the ring purchased had a {$520.00} balance for {$190.00} ring. I notified XXXX XXXX that I do not recall having this account. Apparently the last payment was made in XX/XX/XXXX. On XX/XX/XXXX the account was opened. Payments were made on the account. I have no idea who this creditor is but I will surely be reaching out to Kay Jewelers directly regarding this matter. Threatening to send me to a court that may or may not be open due to COVID makes no sense. He did offer me a settlement and also offered $ XXXX {$150.00} payments per month. And when I commenced to telling him that I was not claiming the account, he commenced to screaming, insults, and abuse. 

Best, XXXX XXXX  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-08-17
Company: Experian Information Solutions Inc.
State: NC
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:
During XXXX and XX/XX/2019 showing on XXXX card as being late. Contacted XXXX XXXX where card was sold to in XX/XX/2019 and was informed I needed to contact XXXX XXXX. When I reached out to them they informed me they no longer service the card.

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 2018-08-22
Company: SYNCHRONY FINANCIAL
State: NC
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:
XXXX XXXX is incorrectly reporting 2 accounts on my credit report that are my husband 's not mine. One is a Gap  account with a balance of {$3100.00} and the other is an account with a balance of {$14000.00}. I was removed as an authorized user months ago as we are separated.

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 2023-04-26
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account information incorrect

Complaint:
I've spoken with Fair Collections and Out numerous times and provide proof that I don't own this amount that is being displayed on my XXXX Credit Report, this is unacceptable and unprofessional to be able to report incorrect information on an individual credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2021-03-28
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed or limited my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Delphi Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I made an XXXX XXXX credit card payment {$1900.00} of which {$1800.00} was for XXXX assessments owed and {$55.00} was payment fee. 

As of today XX/XX/XXXX the association, the management and the associations attorney XXXX XXXX XXXX # XXXX Continues to bill us this amount, plus late fees on this amount plus interest on this amount which was paid on XX/XX/XXXX. 

I have brought it to the attention of the XXXX management, the XXXX Board and as of XXXX of this year the XXXX management referral all communications to the XXXX Attorney XXXX XXXX XXXX California Bar # XXXX. All parties are fully aware that this amount was paid, all parties refuse to update accounting to remove this amount plus late fees plus interest on this amount. 

The XXXX filed and recorded a lien # XXXX on XX/XX/XXXX with inactive law firm XXXX XXXX  XXXX which this Attorney was previously part of. After over 1.5 years of me addressing this issue Finally on XX/XX/XXXX the lien was released however the duplicate bill of same amount {$1800.00} paid on XX/XX/XXXX still showing on our billing plus late plus interest They all refuse to update and remove incorrect billing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Un-Authorized Inquiries 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 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 2019-08-19
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Good afternoon,           I am filing this complaint on Tower Loan located in XXXX, AL. We financed a couch with them last year and have been making payments on it each month since that time. It will be paid off in a few months. However, when we called to get a copy of the payoff information we were told that we had a few late fees. When my husband asked about the 10 day grace period we were told that it was 10 actual days on not 10 business days, which is fine. However, the attitude from the employee that was given was not appreciated. He was told that he was an adult and would need to balance his accounts and pay his bills like an adult. When he asked about getting a monthly statement for said loan he was told they do not mail statements. I work in an insurance industry where we monitor insurance for financial institutions so I'm very aware of certain compliance aspects. Is it not a requirement to send a statement of some sort when a loan is in place? I just finished a compliance CE course on Friday and I'm pretty sure this topic was covered. When we asked to speak to a manager we kept getting excuses as to why we couldn't speak to someone. I have been online to read reviews and have come across quite a few of the same situations we are having. Can something be done about the malpractice issues? Or possible an audit of some sort? From my search, this financial institution doesn't appear to be regulated by the FDIC. 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 explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: In progress
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: IA
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 am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is Equifax, Credit Bureau XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
Today XX/XX/2023 and each month prior for the past XXXX months they pull prior to the XXXX. They dropped my score another XXXX points today due to their illegal procedures.

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