BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is XXXX XXXX XXXX XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.

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 2019-10-28
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: Information belongs to someone else

Complaint:
Incorrect information reporting 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 explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.

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 2020-07-22
Company: EQUIFAX, INC.
State: MI
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:
Equifax failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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 XXXX. 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX 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 daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my discover credit card since XXXX of 2015. I used the card a lot and carried a balance most of the time. Last year I received a bonus at work, and paid off the credit card in XXXX to increase my utilization ratio, that will be good for my credit score. And low and behold, my credit score got higher by quite a lot. I have not used the card since I paid it off. I traveled to my home country ( XXXX XXXX ) as a family member got very sick with covid and I left on short notice. Ive been away for 4 months. I get back, and without any notice - I receive an email from Discover bank 2 days ago close to midnight, that my account has been closed due to inactivity. Ive been a member for nearly 7 years and never had one late payment. I called them and they were so unhelpful. Even the supervisor. Rude in-fact and just wouldnt even try to help. This will hurt my credit report tremendously as this will decrease my overall credit utilization ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: ERC
State: CA
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:
I have been telling this company for years they billed me after service was discontinued and they keeoo Pk putting on my report over and over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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: Information belongs to someone else

Complaint:
XXXX account shows on my personal credit report. Wish to dispute this item as incorrect, would like to notify the creditor that I did not authorize this and is likely a result of fraud as I am a previous 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 non-monetary relief
Consumer complaint received 2019-10-28
Company: Thrivepoint Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
LENDER : Renovate America ( HERO PACE product ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX LOAD IDs : APN : XXXX HERO ID ( s ) : XXXX I paid my account in full ( {$21000.00} ) by wire transfer on XX/XX/2019 per the instructions that Renovate America ( RA ) provided to me on XX/XX/2019. 

Following payment of the account, I did not receive any acknowledgement or any other communications from RA until XX/XX/2019. On XX/XX/XXXX, I received a Payment Confirmation Letter ( PCL ). 

On XX/XX/2019, I acknowledged receipt of the PCL, and informed RA that the lien on the property had still not be released, by replying to the email that it had been sent from. 

On XX/XX/2019, I sent a follow-up email to the same address requesting information of the Release of Lien ( Release ). 

Between XX/XX/XXXX, and XX/XX/2019, I made multiple calls to RA to request that the Release be recorded. On the initial calls, RA assured me that the Release would be recorded shortly ( in a matter of days ). On subsequent calls, RA informed me that RA does not presently have the competency to the record the Release, but that RA is working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have Chase account for more than 7 years and I use my debit card with a pin in my purchases, I order a vitamin and pay XXXX with my card and pin that is the only authorized payment. to my surprise this company charges me again XXXX on XX/XX/XXXX and I went to the bank in person and cancel the card, they told me that I am not responsible for the unauthorized transaction, they cancel the card and send me a new one in the mail. 
With the new card, I never order anything else. Chase give me the money back to my account and to my surprise again on XX/XX/XXXX Chase charge me the total amount of the unauthorized transaction of XXXX and they put my account in negative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: The Receivable Management Services LLC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..

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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Got a message that they were unable to identify me. The questions seem to be trick questions, and difficult to answer unlike the other two credit agencies. I have noted this whenever I try to get my free annual credit report. Trans-union is also the only credit agency where I have found errors in my reports in the past, and it has been difficult to fix them. I think Trans-union does this on purpose and should be investigated for possible collaboration in 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 non-monetary relief
Consumer complaint received 2021-11-01
Company: LEXISNEXIS
State: OH
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 am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. 

LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. 

LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. 

I have demanded that they remove all my information from their databases immediately. 

I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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 three loans showing with XXXX XXXX XXXX XXXX  that dont appear to be mine. 

One loan is showing for XXXX in XX/XX/2018 Two loans showing from XX/XX/2018 one for XXXX another for 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 explanation
Consumer complaint received 2021-11-01
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source Receivables MNG has placed a collection account on my consumer report. I do Not know who this company is. I have Never done business with this company. I have Never signed a contract with this company for anything. Nor, have I given permission verbally or writing to anyone to pass my information to this 3rd party company, that I never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Phoenix Financial Services LLC
State: AZ
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:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions PER the consumer to whom it relates. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  OF AZ PROF CORP, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My mother used my social security number to open this account XXXX refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my Equifax report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Applied Data Finance, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Contacted Personify Financial a few times account XXXX informed me that this is not my account, also contacted all three credit reporting agencies and only XXXX go back to me and still hasn't fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: CO
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:
Account XXXX XXXX - # XXXX. This account is showing closed, but there are several innacurate late payments affecting my ability to purchase a home. Please delete this account ASAP. It shows I was 120 days passed due on XX/XX/2015 and the next month I was up to date. Then in XXXX I was XXXX Passed due that can not be. I was never late through any of those months

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 2023-11-13
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX I made a cash app mobile check deposit from my employer for XXXX It was accepted that same day and promised available next business day. 

Then, when it didnt show up I called the check writer, the money left their account Tuesday. 

It is XX/XX/ the check still shows accepted but cash app hangs the phone up on me when I ask for when the funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX I opened an XXXX XXXX with Wells Fargo. On XX/XX/XXXX I called them to inform them that the loan was not reported to my credit. They informed me that it will be on my credit on XX/XX/XXXX XXXX is now XX/XX/XXXX & it still has not been reported to any credit bureaus. Since then I have reached out to them multiple times & they have not helped me solve this problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I " sold '' a car through XXXX to a person who sent me a check for {$20000.00} dollars. I presented the check to an officer of the bank ( Chase ) and asked him to verify the check for me before I deposit it as it was for a lot of money. Without even looking up from his desk he told me to just deposit it and see what happens. As per his advice, I did that. The following day the person who sent me the check informed me that the check had an overpayment of {$2400.00}, which it did, and asked me when the check clears to XXXX him the {$2400.00}. The following day Chase had placed the {$20000.00} in my account and indicated that it cleared. I then sent him 2 XXXX payments, one for {$2000.00} and another for {$400.00} to make up for the overpayment. A few days after that Chase took out the {$20000.00} from my account indicating that the check was a fraudulent check. I was out the {$2400.00} I sent the scammer. 
I feel that Chase failed on several levels. Firstly, the bank officer failed to verify the validity of the check when asked by me. They ( He ) could have called the bank that the check was issued from to see if it was real. Secondly, Chase should not have cleared the money into my account making me believe that the deposit was a good one. I would never have returned the {$2400.00} to the scammer if the money was not in my account. I contacted the bank ( Chase ) several times and they deny any responsibility. I'd like my {$2400.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I must have used my card at a compromised payment terminal ( i.e. credit card skimmer ) sometime in XX/XX/XXXX. This week ( beg on XX/XX/XXXX & continuing thru XX/XX/XXXX ) my entire cashapp bal has been drained & now overdrawn. Cash app allowed transactions from 7 different suspicious merchants that I've never heard of ( 32 charges totaling {$840.00} ). Cash app denied my dispute even tho some charges came in after the card was reported compromised. Many of the charges are duplicates that came in within 2 mins of an identical charge. Cash app sent docs of the denial of claim that showed the charges I was disputing hit the new card ( issued on XXXX after I reported my other card as compromised ). I didn't have the new card nor knew the new #! I have been given a repeated run around from cashapp support. 


Here is a list of all of the fraudulent transactions : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Monterey Financial Services LLC
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:
Monterey Financial SVC has listed my personal information on all 3 credit bureaus without my consent. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Also 15 USC 1681 A you have to remove this negative item off of my report during your investigation. Please do not respond and tell me that the law not pertain to you. I am the actual consumer so my rights are very important to me.

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