BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: Self Financial Inc.
State: KS
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:
Ive had an account with Self.inc ( formerly Self Lender ) for over XXXX years. Ive gone through XXXX Credit Builder loans and had a secured credit card with them with a {$1700.00} security deposit from the XXXX loans. One month ago I paid off my credit builder loan early as Id come into some extra funds. Payout was supposedly XX/XX/XXXX. Three weeks ago I received an email that they needed information to verify my identity ( pics of license and social namely ) so I sent them in. One week ago they sent me an email saying they couldnt verify, so my credit card account is now also closed. After paying the balances off, Im owed over {$1200.00} that should have been paid back to me per their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/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 2022-08-16
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:
This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such s my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within 4 business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXG XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
SPEEDING TICKETS, I contact the company to explain that SPEEDING TICKETS I had in the past from long time ago, passed the status of limitations, not supposed to be in my driving record any more. 


company XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CCS Financial Services, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI CCS COLLECTIONS / XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Synovus Bank
State: VA
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 was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 90 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX and XXXX 90 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX I was XXXX overseas during this time and had difficulties making online payments, but I paid as soon as I was back in the states. Now I am applying for a home mortgage and it is impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NC
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:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2019-09-05
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Ocwen mortgage company. On my statement is says I owe them {$6800.00}. I went to their website to pull a payoff statement. I tried a few times but their system was to working. I wanted to pay this off so to be safe I sent them a payment for {$6800.00}. I called the company today and they said they out the payment on hold ( and it is still on hold ) because it was more than the statement said. I asked why they did not pay the loan of and send me a small refund? Their representative could not really speak to it. I then said the statement still is the same pay it off today and send me a small refund. He stated that is against their policies. Now they are sending it to the payoff department to see what they can do. I am not going to be paying another 11+ days of interest because Ocwen could not simply apply my payment that I overpaid. I thought this would be a very easy process and it seems that is not the case. I did tell them I did this exact same thing past year with Ocwen as well and the process went exactly how I hoped it would go this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I mailed a Certified Mail Receipt letter : XXXX XXXX XXXX XXXX XXXX to Experian Credit Bureau to conduct an investigation about the opened fraudulent accounts on my personal credit report. I did not opened nor benefit from this fraudulent account. 

The fraudulent opened account is : XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$80000.00}.

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 2021-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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 2017-06-04
Company: EQUIFAX, INC.
State: PA
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:
The department of treasury took my income tax f or 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Genesis FS Card Services, Inc.
State: MI
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 have explained to these agencies XXXX, XXXX and XXXX that the closed accounts in dispute are not mine and that these accounts were opened fraudulently but yet they keep claiming that they are not. They have not provided any information from the creditor with a liquid signature that I opened these accounts. The accounts in questioned are for XXXX Bank, XXXX, XXXX XXXX and XXXX Bank. XXXX did go ahead and removed these accounts. However, XXXX and XXXX have not. These accounts are fraudulent and I never opened them. I pay all my creditors as you can see from the other accounts I have credit which are XXXX  XXXX, XXXX XXXX  which I have two accounts with now and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TD BANK US HOLDING COMPANY
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Block, Inc.
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a squareup account to take business payments. Over about 7 days I got just over {$50.00} worth of payments. I then added my card so I could transfer the funds out ( I like using a specific account when buying supplies ). That is when Square locked my account saying it would only be a business day or two just to verify that I am me. That was on either the 5th or 6th of XX/XX/2023. I've waited and when it didn't end I've reached out to their customer support who tell me to wait 1-2 business days, say they can't help, ignor me or blow me off when I ask to speak to a supervisor, or send me fake links.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-COLLECTION ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2019 with a credit limit of {$120.00} -This is not 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 2018-10-13
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received call after call all hours of the day on my cell phone while im at work. Then not sure how this happens but my phone would just play the debt collection recording all by itself with screen locked in my pocket every half hour for entire day all hours of day and night. i would be on my phone using it for something else the message would play. phone in my pocket at doctors office for an appointment and outloud on speaker the debt collection message would play. That should 100 % be illegal. I called to ask them to stop and they denied it. i didnt set my phone to play this message every half hour 24/7. I had to take my phone to XXXX and they ended up doing a factory reset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-03
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received  an American Express  giftcard as a wedding gift about a year ago. I went to use the card today, and the balance was  XXXX . I checked the transaction log online, and it was used in California during several transactions, and now the balance is  XXXX . The card was never out of my possession, and I was not in California at that time.  <P/> I calle d American Express a nd they told me there was nothing they could do about it. I would have to contact each merchant individually and hope they reversed the transactio n. American Express ref used to help me. I will never buy a giftcard from them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-04-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of Estoppel by Silence, Engelhardt v. Garavans ( Mo281 SW715, 719 ), I presume that no proof of the alleged debt, therefore any such debt, in fact exists. 


I never authorized this account.

Company response to consumer: Closed with explanation