BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$300.00} via my cash app, XXXX XXXXXXXX, to my daughter 's cash app, XXXX XXXX, for her summer college classes. The transaction was successful on Cash app, however my daughter 's cash app never received the funds. 
I reached out to XXXX XXXX which is the bank debit card that is linked to my Cash app. They confirmed the transaction was successful. The stated the funds were released to Cash app and they provided an Authorization number to provide to Cash app as proof of successful transaction. The authorization number is XXXX. 
I then spoke to 5 separate individuals with Cash app, all of which disconnected with no resolution. I provided to them a screenshot of my bank account activity, which clearly shows the transaction as well as the authorization number provided by my bank. 
All 5 individuals stated the same thing, that the transaction had been " declined ''. 
The transaction could not have been declined by my bank. My bank already sent the funds to cash app AND they provided the authorization number. 
I am not sure how Cash app can say that it's been declined? I continue to get the run around and constant disconnects so I gave up, because I am at work and I can't continue this all day. 
I would appreciate any intervention and any resolution you may encounter. 

Thank You/Awaiting Yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MT
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:
Applied for the card, was approved, didn't receive the card after 4 attempts over a period of over 6 months, but kept receiving a bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After reviewing my credit report i have noted some discrepancy on COMENITY VS validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an negative mark from Credence Resource Management LLC on my XXXX XXXX Credit report. I disputed that it was mine since I have never ever used the original creditor ( XXXX XXXX XXXX in my life. Rather than send me out proof that this debt is somehow mine they sent me a form for fraud or identity theft. They are asking for copies of my driver 's license, affidavit and a police report. I find it absolutely absurd that I have to jump through hoops to prove my innocence due to their incompetence. 

Sincerely, XXXX XXXX XXXX Credence Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Sunday XXXX XXXX  XXXX of 2023 I received a XXXX  credit card from XXXX in XXXX Ohio with a XXXX credit limit that I did not apply for. On Thursday XX/XX/2023 I called XXXXXXXX XXXX fraudulence center and spoke with customer service representative XXXX employee ID number XXXX and reported this card as fraudulent in that I did not apply for it. She took my information and was very nice. She closed the account after telling me that luckily it had not been used yet. I live in Texas and apparently the application came from the New York New Jersey area. She recommended I contacted www.ftc.gov to report it and that she would report it to the credit bureau. She also recommended that I contact the credit bureau myself and my bank.

Bottom line people, be careful with your private information and be diligent in checking your credit regularly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/23 I paid off my lease in full to purchase the vehicle. A payment of {$11000.00} was confirmed received by the lender which was the quoted buyout amount through XX/XX/23. When I call to check on the status of the title release I get sent to collections where they claim I am past due on a payment which is completely false. It appears that they internally changed the date of receipt of my payment to look as though I owe more money. They have not or will not send me the bill of sales to complete the buyout. They have now held my money for two weeks and have not credited my loan. They will not complete the buyout transaction. I have called at least 6 times and I get bounced from VRU, to collections, to end of lease to escalations. Its actually appears criminal what is happening here.

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 2023-08-08
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Fortiva sent a XXXX that I did not apply for and it is now on my credit report. I do not want this to affect my credit score as a closed account since I never opened the account. This is a huge issue for me my credit is frozen to prevent this type of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputedaccuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Skopos Financial, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Their website and statements do not tell me : 1 ) How my payment was applied 2 ) Interest Accrued 3 ) Interest Accrued 4 ) Fees I also called their customer service line at XXXX and they were not able to tell me how my payment was applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: MD
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 have sent two letter with all supporting documentation to Experian requesting them to update my personal information. In addition, I have requested three time from Experian, XXXX and XXXX to remove an collections account that states opened. I have been trying to compile and follow up with no response or actions being taken on my behalf

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: PNC Bank N.A.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. PNC Bank XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a certified court letter at my mom 's house informing me of court to get my check garnished..I called the lawyer group and she told me this was for a card or some kind of credit that I was sued for XX/XX/XXXX and had a judgement against me..I asked if that was legal per statue of limitations she said yes it was from XXXX and they had till XXXX to pursue me..Had they sent me a validation letter even to my mom house same way they sent court papers they would have found out I was a victim of identity fraud..I had the FBI show up at my house for checks and all kind of stuff I went to court and everything was dismissed ..I have no idea about what they are talking about and why or how I was sued and had a judgement and knew nothing of that either until I'm being sued and their wanting to garnish my checks..until literally the FBI showed up at my door ... it was cases everywhere ..checks, cards, they actually came to inform me because on camera the ladies didn't look like my driver 's license..they arrested I know from them one lady I didn't know either when they showed them to me ..The agent took care of everything except one store in a city I had never been in had a warrant out for me..the man went to court with me and everything..pull up the court papers where everything said is typed up..only then did they dismiss it..what ever this is they said it went to write off ... they should of found me and probably had it taken care of by insurance..instead of taken 20 years to bring some bs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX  and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX  and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card 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 non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Reviewed my Credit Report Once again. It seems like there are addresses in my file that are erroneous and incorrect Please validate and delete these addresses immediately : 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 2022-12-20
Company: A.R.M. Solutions, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Arm Solutions has called me and wife and threatened court actions with a paid off judges in their back pocket named XXXX XXXX and XXXX XXXX. They are claiming that I owe money to XXXX XXXX or a company that I have overpaid for work that they did not complete and this fraudulent collections scam is a preemptive attempt to use the system and manipulate it for avoiding money that is owed to me by XXXX XXXX. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Inactive modal What would be a fair resolution to this issue?

ARM collections pay the standard {$1500.00} time 4 or {$6000.00} for just a fraction of the calls after company was repeatedly told to stop threatening me and wife with legal action and the ruination of credit for a fabricate and manufactured debt that is done with pre-meditation and preemptively in order to overcome the actual, real, and understated debt owed to me by XXXX XXXX for services paid for that XXXX XXXX did not deliver on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: GOLDEN 1 CREDIT UNION, THE
State: FL
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:
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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