BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: NJ
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 ask them to remove information along with the letter again nothing has been done. The inquiries from XXXX XXXX  XX/XX/XXXX has informed me they do not have a request from me and can not verify my social number. XXXX XXXX XXXX XX/XX/XXXX also informed me they did not have a recorded of my credit request. UCS XXXX did not have my permission to run my credit score. XXXX XX/XX/XXXX did not have my permission to run my score. XXXX XXXX XX/XX/XXXX I have an account with XXXX for the past 20 years and there is no need to have my credit checked. I never authorized any credit check from XXXX, I did not have my permision to run my score.

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: Credit inquiries on your report that you don't recognize

Complaint:
Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/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 2017-03-07
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a commercial vehicle in XX/XX/2016 from XXXX ( XXXX ) and was informed that the product was a loan and that there were no penalty to payoff the loan. I later learned that XXXX was not the loan holder and that company was Financial Pacific Leasing. I also learned it was not a loan as explained by XXXX and that it was a lease agreement. This information was all learned after I gave them a down payment of {$17000.00} on {$65000.00}. I was under the impression via multiple converstations from the XXXX that my payoff balance {$55000.00}. The company intentionally misrepresented this information to lure me into a loan of which I had many other options to pursue because of my down payment amount and cash I had on hand. I never intended on obtaining a lease agreement of any sort and did not learn about the agreement until loans were already processed and finalized. I called in XX/XX/XXXX to get the payoff amount for the loan I was advised it is {$110000.00} which was a shock and no where near the {$55000.00} balance payoff I was advised of.

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: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This company has my account as a charge off. I have requested a 1099 no response from this company. Ive tried paying this vehicle off. No response. This company has rude XXXX FOREIGNERS WORKING FOR THEM THAT IS XXXX XXXX AND XXXX ARE XXXX AND REFUSE TO ABIDE BY AMERICAN LAW. XXXX has requested to purchase the vehicle but ALLY FINANCIAL WILL NOT RESPOND TO XXXX EITHER. XXXX has requested a letter of guarantee but ALLY IS REFUSING. IM WRITING THESE COMPLAINTS FOR THERE NEXT LAWSUIT. THE GOVERNMENT NEED TO CLOSE THIS COMPANY DOWN FOR GOOD. This company said XXXX cant buy my vehicle mind you my account is charged off in which the IRS HAS SETTLED THIS DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDENCE RESOURCE XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10
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 am XXXX XXXX. This is not a third party, I am who I say I am. On XX/XX/2021 I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. 

Once an FTC Report and documents to verify my identity were sent. Equifax, XXXX, and XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ADDRESSES ARE NOT MINE. *** FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Paid, Closed. {$640.00} written off. 
XXXX XXXX XXXX Open. {$670.00} past due as of XX/XX/2020. < -- -- - ACCOUNTS NOT MINE FCRA Violation.

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 2021-07-10
Company: Veros Credit, LLC
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: Old information reappears or never goes away

Complaint:
Veros credit should have been removed from my credit two years ago. This debt is more than seven years old. It is incorrectly reporting on my credit. The last payment was made in XXXX. This debt has been removed from the persons credit I have co signed for. I do not understand why it is still reporting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On  XXXX   XXXX   2017 , I mailed a certifed return receipt letter to Equifax about a fraudulent collections account that was posted on my credit report by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IL  XXXX .   This is a fraudulent collections attempt by this company, yet Equifax sent me lette r (  Confirmation #  XXXX   )  dated  XXXX   XXXX   2017  that they verified this information.     My complaints is that Equifax NEVER performed any sort of through research or investigation into this fraudulent account yet they keep this negative account posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and 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 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
RE : Fraudulent charges on teenager account Claim was denied Account in question : my daughter XXXX ( XXXX year old ) On XX/XX/XXXX, I received emails ( attached ) regarding unusual activity on XXXX account. I call the bank after I log in from my app on my phone and see all these activities that are clearly not my daughters. As I talk to the agent, I find out from XXXX that her card is missing and the last transaction she recalls is purchasing food at XXXX on XX/XX/XXXX. Someone stole XXXX XXXX card and logged online to make mobile check deposits : XX/XX/XXXX check amount {$1400.00} reversed on XX/XX/XXXX XX/XX/XXXX check amount {$3400.00} rejected on XX/XX/XXXX XXXX had {$15.00} on her account on XX/XX/XXXX and was never able to charge more than what is available her card would decline if she tried. 
Other charges and deposits were made all between the first and the XXXX of XXXX by the perpetrators. 
1. XX/XX/XXXX Cash deposit of {$3.00} ( Monday ) Capital One in XXXX we live in XXXX XXXX and this is a school day and we have never been to branch. 
2. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 3. XX/XX/XXXX Debit card purchase {$1.00} ( Sunday ) 4. XX/XX/XXXX Debit card purchase {$100.00} ( Tuesday ) On XX/XX/XXXX, one agent and her supervisor both told me that my daughter was called by the claim department and she confirmed she made the charges. I assured them that was untrue and they came back on the line and said that it was actually from the original conversation I had with them on XX/XX/XXXX. 
I am so disappointed that the conclusion was that actually my XXXX year old daughter made all these transactions while living 45 minutes from XXXX and being in high school all day and without having the card in her possession. 
The claim is closed and I received a letter stating that the charges are our responsibility. I called the claim department and was promised full details of the investigation and never received it. I would like to have someone resolve this issue. 
Thank you, XXXX : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Universal Envoy Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to the credit bureaus asking for verification of this collection account of {$360.00} through the physical verification of the original signed consumer contract and for all accounts that were posted my credit report to be deleted. The letter was mailed and received on XX/XX/XXXX. No information was sent to verify this account. Another letter was sent and received on XX/XX/XXXX. No information was sent to verify this account. A third letter was sent and received on XX/XX/XXXX. I also sent a debt validation letter that was received by Universal Collection Svcs on XX/XX/XXXX. I still have not received any information to verify this account or through physical verification of the original signed consumer contract with Universal Collection Svcs. This collection is negatively affecting my credit. It is unverified and needs to removed immediately and Universal Collection Svcs has failed to do this. I have kept tracking numbers and receipts for all of these letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BARCLAYS BANK DELAWARE
State: FL
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:
XX/XX/XXXX, Barclays informed me that my account can not be maintained by myself, that my card can not be reported lost, I could not receive a new one, request a new due date nothing at all my legal representation would have to do so. 
They informed me that the representation took place in XXXX XXXX around the first time a complaint was submitted against them for fraudulently reporting to the credit bureau. 
They informed me they stopped the card but I could not get a new one, however I can make payments on my account that is it. 
There was never ever any legal representation hired or letter provided as they state as of XX/XX/XXXX, but only a complaint filed through consumer protection. They tried to bully me into writing a letter stating it has been lifted however a complaint was filed against them in XXXX for this reason and by me writing that letter would show fraudulent complaints through here and refused to do so They have illegally reported late payments They have not changed my due date from the first of the month and I have been asking since XXXX, telling them the first wasnt possible due to the pandemic They illegally penalized me for writing a complaint against them through consumer protection agency They would not legally allow me to maintain my account due to a rep having a vindictive vendetta against me They have illegally told me they would not give me a copy of the representation on my behalf and I didnt have the right to know who was representing me even though I have explained no one had been hired to do so Theyre rep told me it was in collections legal due to a payment being given to them through a law firm but could not provide the date of transaction because it never happened They have told hung up on me four times tonight and finally have had a rep tell me its NA written next to it and it has been removed but will take 48 hours for me to call back to request a new card They have illegally reported falsely to the credit bureau that in XX/XX/XXXX my account was over 3o days late when a payment was made on XX/XX/XXXX and due on the first theyre bullying me out of late fees now for 6 months plus never allowing me to change a due date thats never been changed due to representation on my account

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 2023-07-20
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 acquired my credit report and ask the credit bureaus XXXX and make sure everything was complete and accurate according 15 usc 168i ( 5 ). I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is TransUnion and XXXX didn't removed anything. They just sent it to a computer and didn't do anything. The date open is not correct date last active is not correct. They also have no ( no data ) which is not correct. Which is a violation. This impacting my life. I have attached a copy of my credit report. It has been past sevens years and they now it. XXXX to XXXX is sevens years.

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 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character.

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 2023-06-09
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Cash App took {$240.00} out of my account after receiving a deposit on XX/XX/2023 When I called to rectify the situation I was told that it was for a merchant I used that they had to pay and it left my account in a negative. They claim that the error only appears on their end after I asked for proof and I asked why I can't see the error on my end in the Cash App transaction history, again they said it only shows up on their end. Furthermore, when I asked why the company did not send a text message or email about the error they said I should have gotten it the same day the {$240.00} was taken from my funds. Also, this " error '' happened between XX/XX/XXXX XXXX XXXX, 2023 They offered to send me a Spreadsheet of my transaction history I accepted. The font was XXXX and hard to decipher. I wanted to escalate to an investigation, but I had to agree first to their policy that if they find I am wrong they will close my CASH APP account. It appears that this can be a SCAM and I'm being bullied by a rigged system. If an error appears on their end the consumer should see it in their app. WHAT ARE MY RIGHTS? How do I know if they are not scamming me? How do they add virtual money to my account and I do not see it, and they don't take it right away? If my account was in the negative why did it take a few hours after a direct deposit for the money to be taken from my account? Why did it happen two months later without any notifications about a negative balance? Why do I have to agree to their policy that if I initiate an investigation and I am wrong my account will be suspended? They only see the error and say it is happening to millions of Cash App users. These are agents in other countries. I would like a refund of my {$240.00} there was no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client ( XXXX ) I do NOT owe {$620.00} and I do NOT have 1 month terms with them OR their client. This information is FALSE and DOES NOT belong on my 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 non-monetary relief