BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$12000.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and Transunion and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.

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 2017-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
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: Account information incorrect

Complaint:
This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, XXXX, and XXXX credit reporting agencies alleging that XXXX XXXXXXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to Select Portfolio Servicing Inc. account number XXXX, in compliance with FCRA. 
2. However, XXXX and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel XXXX, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXXXXXX XXXX sold account number XXXX to SPS Inc. as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXXXXXX XXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to SPS Inc. account number XXXX as well. 

4. SPS inc. has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between SPS IncXXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXX 's tradeline no longer appears on the same credit report that the collection agency, SPS Inc. 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: OH
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:
This issue deals with a previous complaint that has been partially remedied.As a direct result of Experian failure to correct erroneous, inaccurate information to my credit file I received numerous credit declines from potential creditors.As stated in my previous complaint I made multiple attempts and request of Experian for correction of my credit file to no avail until now. To date my concerns have not been fully address because of those creditors that Experian reported the misinformation to. I now have inquiries on my credit report that are reporting against me in which I did not benefit because of Experian 's reporting of adverse, erroneous misinformation. Even though the misinformation has been cleared up Experian never notified those creditors of the fact that my credit score was being reporting inaccurately at that time. Experian failure to correct my credit file during that time has left me at a disadvantage and caused me an undue hardship as a result of their actions and I have yet to be made whole. I request to be made whole.

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 2022-04-01
Company: EQUIFAX, INC.
State: OH
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 XXXX account # XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  account # XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE INFORMED TRANSUNION OF INCORRECT ACCOUNTS REPORTING ONTO MY CREDIT FILE YET THEY STILL CONTINUE TO REPORT ACCOUNTS THAT MAY HAVE BEEN OPEN DUE TO IDENTITY THEFT. I HAVE INFORMED TRANSUNION THAT I AM A VICTIM OF IDENTITY THEFT AND ALSO HAVE SENT IN SUPPORTING DOCUMENTS YET ACCOUNTS SUCH AS XXXX WITH THE AMOUNT OF {$420.00}, A MEDICAL ACCOUNT WITH THE AMOUNT OF {$65.00}, 2 ACCOUNTS FROM XXXX XXXX IN THE AMOUNTS OF {$530.00} AND {$280.00} WITH THE SAME ACCOUNT NUMBERS, AND AD XXXX XXXX IN THE AMOUNT OF {$700.00} STILL APPEAR ON MY FILE THAT I DID NOT AUTHORIZE OR DO ANY BUSINESS WITH. THESE COMPANIES CANT EVEN PRODUCE A CONTRACT BEARING MY SIGNATURE SO HOW IN THE HECK ARE THEY VERIFYING IT WITH TRANSUNION. THESE ACCOUNTS ARE A RESULT IF 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 explanation
Consumer complaint received 2022-04-01
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I answered to an ad on XXXX ( on Sunday, XX/XX/2022 ) for a house that was listed for rent. I was on the phone with someone who claimed to be the landlord of the property. He said he was out of town but could show me the apartment over the phone. Desperate and nearly homeless, I said okay. He gave me a code to enter the house, which made me feel like this person was really the landlord. After checking out the place, I agreed to moving in. He said he would meet with me tomorrow to secure the lease and give me the keys. However, the only way that would happen is if I give him the security deposit first. This made sense to me at the time because I have had to pay a security deposit before signing the lease with my previous apartment. The supposed landlord assured me the deposit is refundable and it is only to make sure he doesnt show the property to anyone else. Since he said it was refundable and would meet with me tomorrow, I sent him a deposit of {$1100.00} via cash app. I felt confident sending it via cash app since Ive seen cash app refund money back to people. Not to mention he said the deposit is refundable. After sending the deposit, I realized it was a scam once he sent me an application via XXXX forms. I also realized the rent was not the same as what was listed on another website. I immediately reported the transaction as a scam. I requested a refund to the supposed landlord and he has yet to give me the deposit back. I reached out to cash app customer support via live chat. They didnt have any representative to talk to on the phone. They told me there was nothing they could do once the transaction is complete, but I know thats not true. Ive seen cash app take money away from my account ( without my consent ) after someone requested a refund. If they can do that to my account, which isnt a scam, why cant they do that to an account that actually is a scam? The amount I gave him for the property is incorrect. It is not what the actual security deposit is for the property. He charged me a false amount under false pretenses. Even if he was the actual landlord, he said the amount is refundable. I should be able to get my money back. Cash app states the transaction should be refunded if it is the incorrect amount. {$1100.00} is an incorrect amount. The actual deposit is not {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account with Bank of America on XXXX XXXX, XXXX at the local Bank of America branch in XXXX, CT with an initial deposit of {$3000.00} via XXXX money order. I was told by the account specialist XXXX XXXX that my funds would be available within 24 hours. 24 hours the funds were not available so I called XXXX XXXX who advised me " to give it a few days. '' I called the local branch again on XXXX XXXX when the funds did not post and I was referred to the generic customer service line ( XXXX ) in order to seek a resolution. The customer service representative informed me that there was no posting of {$3000.00} nor was there any record of a money order deposit. They referred me back to the local branch despite having no results with them either. 

I have the receipt from Bank of America dated XXXX XXXX, XXXX for the deposit of {$3000.00}. I also have the receipts from the XXXX for the 3- {$1000.00} money orders. Bank of America has violated their deposit agreement for fund availability for XXXX postal orders, had their customer service representatives mis-inform me on the status of my deposit and overall has not helped me resolve this issue.

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 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
when I was moving to New York, I had to use my Suntrust/Truist checking account to pay my deposit. This was XX/XX/2021. They refused to release my money. I could not even use money orders from the account. I almost lost my apartment. I kept calling their customer service and being put on hold for hours, hung up on all while at the post office in XXXX. 
Then, after I finally got through and they released my money, I tried transferring more money into the account. I was confirmed that I had in fact deposited an additional XXXX dollars. They then hit me with XXXX dollars in overdraft fees, because when I hit 'transfer ' their system was down and the money was not in the checking account. But on my end the money showed as transferred. 
I have called repeatedly and begged with them to credit my account the XXXX dollars they stole from me, and they told me they can not help me! That's my money! That is stealing! 
I even went in person twice to a Truist bank in Florida, both times the wait times were horrific and they said it would take two hours because they were short staffed. I asked to speak the supervisor, and he was busy too. This is completely unacceptable!

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 2021-10-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was a {$350.00} transaction paid by my XXXX  XXXX XXXX credit card through Paypal on XX/XX/21 which went onto dispute. 

The dispute continued with XXXX  XXXX XXXX XXXX process and a full refund of {$350.00} was issued on XX/XX/21. 

Paypal issued a temporary credit of {$140.00} back to the credit card on XX/XX/21 The problem is that then on XX/XX/21 Paypal reversed the {$140.00} temporary credit from my Paypal account instead of the credit card account. XXXX  XXXX XXXX made ANOTHER reversal of {$140.00} from the credit card on XX/XX/21. 

Basically, the {$140.00} credit was issued once and reversed TWICE. XXXX XXXX XXXX says it's Paypal 's issue and Paypal says it's XXXXXXXX  XXXX XXXX XXXX issue. 

Someone needs to re-issue the {$140.00} credit back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CAINE & WEINER COMPANY, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( Fair Collections Outsourcing ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.

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 2021-05-19
Company: EQUIFAX, INC.
State: CA
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:
Looking into credit reports i See a lot of MISLED information. Or information thats is Against my congressional laws. USC 15. Codes etc ... ... .. Remove all information that is hindering my credit scores. And contact me directly for any alerts or change into my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I sent Synchrony Bank notarized documents, a copy of my XXXX XXXX XXXX  statement, Arizona Drivers License and social security card to verify my identity. Synchrony Bank is making wait 60 days before they release the temporary block off of my XXXX XXXX XXXX Account : XXXX and my XXXX Account : XXXX, and numerous other Synchrony Bank retail accounts. I shouldnt have to wait 30 or 90 days to have a temporary block removed from my accounts, so I can use my accounts. I have verified my identity and acknowledge, I open up all the accounts with Synchrony Bank. Im been discriminated against and been treated unfairly by Synchrony Bank, all because of my race with me being XXXX ( XXXX ). I feel if XXXX XXXX treat its customers this way. No customer/consumer should do business with 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 2022-04-01
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX AR RESOURCES INC XXXXXXXX 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 AR RESOURCES INC 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 XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation