BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
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: Old information reappears or never goes away

Complaint:
XXXX was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.

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 2022-08-02
Company: Experian Information Solutions 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:
In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX Account # 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 2022-08-02
Company: EQUIFAX, 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:
In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Block, Inc.
State: HI
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:
I want to get my money back from cash app and XXXX since this person XXXX XXXX from XXXX XXXX  scammed me in sending money to false accounts!!!!! He took about {$1100.00} from right so I had to close my bank account and open up a new one!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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:
In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX Account # 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 2023-01-26
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A creditor is enforcing a lien filed against my businesss receivables, which identifies me as a secured party. 

This lienholder is seeking repayment for a debt I have nothing to do with. They have taken action by sending notice of the lien to us, either directly or through a law firm or debt collection agency. 
it is not lawful to place a hold on my Cash App account. This means that I wont be able to transfer any funds from my balance. 

All funds are held in my Cash App balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Pursuant to 15 USC 1601, economic stabilization would be enhanced and competition amongst financial institutions would be strengthened by the informed use of credit. I am attempting to avoid the uninformed use of credit, and to protect my self, the consumer, against inaccurate and unfair credit billing and credit card practices.

Pursuant to 15 USC 1681, The banking system is dependent upon fair and accurate credit reporting. I have been discriminated against as a consumer, the natural person.

Pursuant to 12 CFR 1002.7, I applied for an extension of credit through XXXX XXXX and Synchrony Bank in good faith and was denied. XXXX XXXX and Synchrony Bank accepted my credit card ( social security # ) initially during the application process but I received no benefit for this consumer credit transaction. It is unlawful for a creditor to discriminate against any applicant with respect to any aspect of a consumer credit transaction done in good faith. I can not find where it is lawful to be denied for the reasons that were provided to me in the adverse action letter. 

Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX XXXX and Synchrony Bank determined my creditworthiness via a third party affiliate, XXXX. XXXX XXXX, which I did not give written instructions to give reports on me. Further, this consumer reporting agency has never contacted me so this constitutes identity theft ( unauthorized use of credit card ) considering the fact I, the consumer, have never spoken to XXXX. XXXX XXXX personally. 

Pursuant to 15 USC 1681b ( c ) ( 1 ) ( A ) and 15 USC 1681b ( c ) ( 1 ) ( B ) ( ii ), Whatever has been reported on my behalf to XXXX XXXX and Synchrony Bank was never authorized by me, the consumer. Furthermore, XXXX. XXXX XXXX is not compliant with 15 USC 1681b ( c ) ( 2 ) ( e ).

Pursuant to 15 USC 1611, XXXX XXXX and Synchrony Bank has willfully and knowingly furnished me false and inaccurate information in regards to this extension of consumer credit. I know I am the original creditor and it is a right GRANTED to me and shall not be denied.

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 2021-09-01
Company: Experian Information Solutions Inc.
State: OH
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:
No Contract exists for A XXXX XXXX that starts with XXXX. 
Experian refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to Experian that the information is accurate. This is not so. It's reporting illegally on my 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 2019-05-28
Company: Experian Information Solutions Inc.
State: GA
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: LA
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 my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage continues to claim in a later I recently received dated XX/XX/2022 that I do not have insurance coverage for my house and is going to purchase it on my behalf. Freedom Mortgage claimed that they attempted to reach my insurer, XXXX, for this information, but have been unable to provide a good faith effort that they did in fact do so. Freedom Mortgage provided me with a website to upload the proof of insurance, XXXX XXXX XXXX. This website does not work. I tried to access it many times. I then emailed Freedom Mortgage through their secure message system a copy of my insurance documents and asked them to confirm receipt. They failed to confirm receipt and said my inquiry will take 2 weeks of " additional research ''.

I am convinced that Freedom Mortgage is engaged in predatory behavior where they are purposefully failing to recognize my insurance documents in order to purchase an insurance policy on my behalf at an exorbitant rate. This conduct 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 2021-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid my fianc had passed inXX/XX/2017 and my bills sat because of my XXXX & grief. I made a call set up payments & paid on time as agreed. I was advised that once paid it will be removed from my credit report from all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
XXXX XXXX XXXXXXXX XXXX Capital one finance XXXXXXXX XXXX XXXX XXXXXXXX Was told they couldnt do anything about inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: LA
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:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX XXXX Experian and/or XXXX ) credit report XXXX My latest credit report shows ( XXXX ) credit inquiry/inquiries that I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Type Debt Buyer Account Name XXXXXXXX XXXX  Account Number XXXX Account Type Debt Buyer Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Debt Buyer Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, 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 2021-08-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since XX/XX/2021 I have been paying Lexus financial services on a Unemployement debit card. Every month after Lexus has been accepting the same card. Now on XX/XX/2021 I tried to make a payment and I was told I had to be 30 days late for Lexus to except a debit card? I feel like Lexus wants me to be late and effect my credit. My payment will be 30 days past due on XX/XX/XXXX. This is not right. I been on the phone for over 1 hr I need help I feel I am being taken advantage of and also Lexus is trying to destroy my credit. I dont have a checking account and I dont have the money to pay XXXX XXXX. I am only getting unemployment. Please help before XX/XX/XXXX because then I will be 30 days past due. A Unemployement card is a debit card and Lexus accepted this card 5 months in a row

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
here is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

XXXX XXXX XXXX # : XXXX Opened : XX/XX/2022 Balance : {$880.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

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 2022-08-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Unfortunately, my wife filed the first complaint under her name XXXX XXXX and I am the card holder, XXXX XXXX. I have been ill for over two years and she is my power of attorney and handles all this for us. Her complaint number was XXXX filed on XX/XX/22 with all the pertinent information about two outdoor ceiling fans ordered from XXXX that we did not order or receive or have any place to hang them. We have already cancelled our credit card with Synchrony and paid all the charges we made in full and refuse to pay for something we did not order or authorize or receive.

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 2022-09-29
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: Old information reappears or never goes away

Complaint:
XXXX was a personal installment payment account that was paid off in full. When paid off the 60 days past due showed up on my account. I called them back to have this cleared and they said they would. I now just took a look at my report and it is still there showing 60 days late payments.

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