BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: PA
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. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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: Account information incorrect

Complaint:
I do not recognize the credit card accounts 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 2020-05-19
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Bank of America Travel Rewards credit card with a balance of {$5500.00} due on XX/XX/2020. I paid the full amount through my bank 's bill pay system on XX/XX/2020, and Bank of America cashed the check on XX/XX/2020. Bank of America, however, neglected to credit my account, and furthermore, proceed to add late fees and finance charges to my account. I contacted Bank of America on XX/XX/XXXX, and was promised that they would perform a trace. However, I received a letter a week later claiming that they could not locate the payment. They failed to contact me ( or my bank ) to get any details of the payment that they had cased, so I question how they could have conducted this " trace ''.

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 2020-09-06
Company: Experian Information Solutions Inc.
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 BANK DELAWARE XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30 days late to current? 
Thank You 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 2018-04-02
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously filed a complaint XXXX. The company replied on XX/XX/2018. They attached a letter verifying the debt. They attached statements. The statements show my address yet the address is missing my apartment number, I live in a building therefore this seems to be a fraud account opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt expires XX/XX/XXXX. In the state of Pennsylvania the Statue of Limitation is Four years from the last payment. Attached is the latest 3 agency credit report. As you can see they reported that this contract according to them started on XX/XX/XXXX. The account ending in XXXX, and XXXX, and XXXX. This company has not provided the following : Original Contract with my signature Pay off Disclosure Interest rate Disclosure Balance History Payment History Credit Insurance Now after 4 years of being on my credit by law they must remove this debt from all three credit agencies by law. A letter has been sent to them by certified mail and all they sent me was the attached, again nothing that I have asked for, Nothing! So get this off. My credit immediatly!! If not show me a check with my name on it paying you???? XXXX XXXX wait again!!! times off by law, get out of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
upon reviewing credit reports from all 3 agencies I noticed a bunch of unknown inquiries that are on my report and remain on there even after numerous disputes. I am beginning to think the credit agencies are ignoring my requests by taking shortcuts and not actually verifiying info because I keep getting the same generic answer for every dispute despite not being provided any documentation or proof such as forms with my signatures or authorizations. 
the following inquiries are as such transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: CO
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:
Equifax is blocking any credit reporting under a new legal name. They reject all credit checks and credit reports for XXXX XXXX and insist on deadnaming me. I sent them a copy of my current drivers licence and name change decree. They continue to insist on illegally dead naming. They refuse to confirm identity with all creditors as well. Attempts to contact them were all blown off and ignored by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is supposed to be deleted from 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 2018-03-01
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:
There are many mistakes appear in my report without my understanding.

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 2020-10-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account has been reported differently across the bureaus and I believe that this should not be the reported because of its inaccuracies. All I want to happen to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 I, XXXX XXXX XXXX all of a sudden could not access my online account with USAA, as if I were locked out. I then proceeded to call customer service on XX/XX/XXXX and was notified that I needed to open accounts somewhere else as USAA was considering me a high risk customer due to a XXXX mistake I made 16 years ago and therefore USAA was terminating my relationship with any of their products despite that fact I had been an above excellent customer for almost two years. I carried two credit cards that never carried a balance despite the extremely high credit limits I had. I also maintained loans that were always paid, never a missed payment as well as personal accounts that had extremely high available balances. My credit cards were cancelled immediately, my credit score decreased, and I was unable to get approved anywhere for a new credit card as I had stayed a loyal USAA member, and any/all other assets were froze and put me and my family in a financial hardship during a nationwide pandemic. I'm appalled this is the thanks I get for having numerous family members serve my county. SHAME ON YOU USAA FOR TREATING OUR MILITARY SERVICEMEN LIKE THIS!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Many XXXX XXXX phone calls with 3 conversations with their representatives ( latest conversation was on XX/XX/XXXX ) explaining that the debt they are trying to collect is a result of identity theft and all required documentation was submitted to both the original creditor : XXXX XXXX XXXX and current creditor : XXXX , XXXX. The documentation included credit cards with XXXX XXXX that were in good standing with proof of address, FTC identification theft affidavit and City of XXXX incident report regarding identify theft were submitted on XX/XX/XXXX.Thereafter, no calls were received. However, since XX/XX/XXXX, started receiving phone calls. XXXX XXXX said the bought the outstanding loans from the XXXX , XXXX. Then, I received another letter dated XX/XX/XXXX from XXXX XXXX stating that XXXX , XXXX is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Despite having the correct credentials ( I use a password manager ), when attempting to unfreeze my credit report at my.equifax.com, I'm greeted with a page that says " We are temporarily unable to complete this request. Please try again later. '' This has been going on for the last 45 days. Attempts to contact Equifax
directly have failed. There have been instances where I've miraculously gotten in touch with an actual human and they've actually hung up on me within 15 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: NJ
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:
Re : incorrect information dispute for XXXX Account XXXX Equifax has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
I am having an issue with Chrysler capital on my report. I have never been late on my account when I leased my vehicle. I purchased my vehicle on XX/XX/2019 and provided proof. They were paid off by dealer and at around XX/XX/2019 I received a bad remark saying I was 60 days late. Never record letter, call, anything. I called Chrysler and the fixed it but left 30 day late. I spoke with the dealer and they said they asked them how much was it to pay off and they sent them the money right away. Still after dispute and dispute, they keep reporting it as 30 days late which is not accurate and it is messing with my credit report. I provided proof of my purchase and the date says clearly XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history XXXX show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, my wife and I opened credit accounts with Park West Gallery ( Synchrony bank ). Although I did not use my account to make any purchases, my wife at the time purchased several pieces. The agreement in place at the time of my wife 's purchases was that no remittance would be issued until she received the last piece of art. The last week of XXXX, she received the last piece and in the first week of XXXX, I found that Park West had made a derogatory report to the credit bureaus in MY name. When contacted, Park West acknowledged their error and corrected it. 
In XXXX, XXXX, I discovered that park West had once again made a derogatory report to the credit bureaus. 
I corresponded with Park West on numerous occasions over the next several years, and even retained an attorney to work on my case. Despite several written notifications from my attorney, Park West failed to correct their error and restore my good credit.Park West 's continued derogatory reporting resulted in my credit history being tarnished, a freeze on my HELOC account, and higher  interest rates on new vehicle purchases. 
In XXXX Park West charged off the account, further damaging my credit. 
Today, XX/XX/XXXX, I received a XXXX alert regarding my credit. Upon investigation, I saw that Park West has initiated some type of suit or judgement against me, but I was unable to find out more details since it was after hours. I have a number of documents to attach to this complaint which will show that I made extensive effort over a span of several years to communicate with Park West and resolve this issue, all to no avail. 
I am not adding any more data to this text block, since I am attaching the previously mentioned documents.

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 2020-05-15
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square 's product Cash App - would not allow me to transfer money out of the app or account via the fee less option. I checked with XXXX XXXX XXXX XXXX ( the bank the funds were going to ), they stated everything was okay on their side. Square refused to provide additional information needed to complete the transaction. 
- the only workable transfer I was left with was the fee based transfer. 
My funds were thus held and un transferable without a fee and I was unable to use the transfer option which took longer but did not charge me a fee. 
- I contacted square they refused to provide any support for the Cash App product other than directing me to a Q & A support page on the internet and within the App. 
- The feature to add a bank using the outing and account number did not work per their support page information and instructions. 
- The only option that worked was to have XXXX XXXX XXXX XXXX debit the account via phone which was limited to {$250.00} a day making it a lengthy process. 
- Cash App offers not interest on their money. 
- When I contacted Square regarding the issue I had no live person to speak to to discuss the problem via chat, phone nor e mail ... just the support page. 
- I am highly concerned as a consumer that this product holds and manages large sums of money without offering any support ( outside of a Q & A page ). They also have features that are without fees that do not work. The XXXX XXXX XXXX XXXX debit did not always work and sometimes required several calls and attempts before going through. Telling the XXXX XXXX XXXX XXXX employee that the card number was invalid despite the fact that the number was confirmed and worked on the next call? 
- Their accounting is also very unclear not giving a clear statement of your transactions and your balance in one place and in a clear manner. Pay Pal also has unclear accounting statements. 
- As a consumer I would like to see actual customer support by live people and better more clear accounting of credits, debits and balance in one place on one statement similar to banks. 
Thank you

Company response to consumer: Closed with explanation