BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance XXXX {$1300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XXXX had {$100.00} usd taken from my account without knowledge or consent by Cash App to fix an error that they created on their end from a transaction that I had already paid. They claim technical error but they never notified me, said my balance was negative ect. They waited until money was added and swiped it saying they were taking it for a transaction I had paid in XXXX. I have spent weeks asking them to fix it and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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:
The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I was sent a letter stating that XXXX XXXX verified this information to experian and I have no bankruptcy on my XXXX XXXX report to verify as accrue. Viewing Type demonstrating XXXX XXXX Bankruptcy. There are some aspects of this account that I am having trouble understanding ... because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
Lets examine Liability showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! I was looking at Closing Date expressing XX/XX/. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof

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 2023-06-03
Company: Experian Information Solutions 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:
It was happened that before couples months ago when I requested credit report I found there is account showing in my report which is not belong to me because I know all the account that opened on my own personal account either debt or credit, but the one shown under the account name as the following : - XXXX XXXX  XXXX Partial Acct # XXXX. 
Date opened XX/XX/XXXX in the original amount of {$2500.00} is not mine and not belong to me and I already opened a dispute with Experian on XX/XX/XXXX, this not my account, this really a fraud and ID theft of my personal information, Please kindly try to resolve this issue ASAP, because now the credit report has been affected my score to negative for something not mine Im ID theft victims. 
I did more than 5 calls to the creditor trying to tell them this loan is not belong to me and the department they disconnected my all calls and dont want to discuss this issue of fraud with me they intentionally disconnected the calls. I hereby would like to file this dispute to you as governmental bureau of consumer protection to solve my issue and place security freeze till the investigation completed. 
Account overview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$84.00} Balance as of XX/XX/XXXX Loan balance You've paid 97 % of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score.

Payment details Payment status Past due 30 days Minimum monthly payment {$83.00} Terms 2 years 5 months this attached report copy

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 2023-04-20
Company: EQUIFAX, 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:
To whom this may concern, I sent a letter to XXXX, Equifax and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, my FTC report and Drivers License is attached for proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Synchrony Bank is trying to collect on INTEREST. This is our 3rd time we have gone through Synchrony. The 1st 2 times, we paid the principal amount due each statement, which was the maximum posted on each statement received. So, at the end, we were left owing XXXX. On this 3rd time around, we had no idea it was not being done the way the first two were done on our statements received. They were NOT putting the principal maximum each month as our payment owed. Little did we know, this was being done this 3rd time around! Now, they are wanting us to pay INTEREST plus LATE FEES are now being generated. We've called, we sent a Certified Return Receipt LETTER twice, outlining all of this. We received one back Returned Receipt but not the 2nd one yet. Did this about 2 weeks ago, so they've had time to send it back. This is extremely deception to their customers to all of a sudden start changing the principal payment done each month to the minimum, and to try to collect more money from customers. Very dishonest. We paid monthly due each time and on time only for them to say we've been paying only the minimum, which is what they put on their statements. We will never do business with Synchrony again! It is the same thing that was done to students in college! Interest accumulating on top of itself. The representatives on the phone are understanding but they can not help customers with this so we are filing complaints now. It is not right to do this to good paying or even bad paying customers. 
We sent our normal payment in and wrote PRINCIPAL ONLY on it. Well, guess what, they did not post it as we asked. They applied part of it to INTEREST! This can not be right!

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 2022-12-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am sure you are aware of 88 Stat. 1514, and FDIC 6000 Consumer protection ch.4 Sec 161-173 [ Codified as 15 USC 1666 A-J ] all under the terms and defined The Fair Credit Billing Act and my rights as a consumer. I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from Lexus Financial Services for the interest I have earned, as a result Lexus Financial Services is trading my securities on the exchange. This has been done without my knowledge and constitutes that XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is committing SECURITIESFRAUD against me which is an automatic federal offense under XXXX.R. 5037 2018, Pub. L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] USC Title 18 sec 8 & HJR 192- All debt is government obligations.15 USC sec 1681 b 2 - Company is violating my consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-07-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law, Equifax had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. stating that your investigation was complete and the items listed were Verified. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. The information was not supplied in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I tried calling and and reaching out to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my XXXX XXXX. 
Account name / numbers XXXX XXXX XXXX ASSOCIATES Account Number : XXXX XXXX  Account Number : 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 2023-04-20
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortage Corp XXXX ( Financial ) Mortage opened XX/XX/XXXX paid off in full XX/XX/XXXX. Showing open with late payments as late as XX/XX/XXXX This mortage was paid off in full, and I have the closing documents too prove it. It being open and showing late payment is keeping me from buying a house currently.

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 2022-11-30
Company: EQUIFAX, INC.
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:
I tried calling and and reaching out to XXXX, equifax, and XXXX requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers XXXX XXXX XXXX ASSOCIATES Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Physicians & Dentists Credit Bureau
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX XXXX  from Physicians & Dentists Credit Bureau contacted my husband XXXX XXXX about a debt from XXXX owed to XXXX XXXX XXXX, my former XXXX  of 5 years. During my time under XXXX XXXX care my Mom paid any portion of my bill that was not covered. In XXXX she abruptly stopped paying the bill but did not tell me, nor did XXXX XXXX. He continued to allow me to see him while I racked up about {$3000.00} in unpaid bills. Furthermore, I never heard anything about the balance owed after I stopped seeing XXXX XXXX. I assumed he decided to write it off because it was unethical of him to allow me to go into debt with him as he knew I could not pay. When XXXX called my husband on XX/XX/XXXX he requested a copy of the bill. Not until XX/XX/XXXX did she mail us anything. I called her yesterday and she lied to me telling me she had been calling my husbands phone number attempting to collect on this debt for the last 4 years. I married XXXX in XX/XX/XXXX. She lied. She also hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: PA
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 XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.

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 2021-02-03
Company: EQUIFAX, INC.
State: PA
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 XX/XX/XXXX, I spoke with XXXX regarding the reporting of a XXXX XXXX  Holding Acccount that was closed. The information was subsequendtly updated as accurate- no late payments. I contacted the creditor and they advised they would update the report which they did in the past. Today XX/XX/XXXX, I looked at my report and XXXX XXXX reported me as being late in XXXX and XXXX again, whch is totally inaccurate. XXXX  keeps allowing the creditor to report inaccurate information on a closed account that was last reported as accurate in XXXX. 3 years later we have a activity of late paymet activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My complaint is between Truist Bank ( Truist ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. I phoned XXXX to purchase an airline XXXX ticket from XXXXXXXX XXXX XXXX I needed to return home to XXXX, as my brother, ( over XXXX yrs ) was quite ill. 
2. During call I was transferred to some group called XXXX. XXXX took my bank details to pay for my flighth ticket. She emailed me a form, and said that it was all I needed to take to airport as proof of purchase. 
XXXX. Next morning, my bank, TRUIST emailed me that my acct. was on hold. XXXX  XXXX during XXXX attempted 13 times to withdraw various amounts of money. Three addiitonal payments were approved before bank caught it. I was quickly reimbursed for those 3 unauthorised withdrawals. 
TRUIST - a week ago told me my flight ticket claim was denied. 
How can it be denied, when XXXX told me that I never had a ticket because it was never paid for. XXXX XXXX kept my money.

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 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 : A online wire transfer was initiated in the amount of {$9500.00} from the Bank of America website from our small business XXXX account, to our charity recipient in XXXX. There had been 30 successful online wire transfers to this recipient before from Bank of America. 

XX/XX/2023 : The wire transfer failed this time and the money was returned to our Bank of America account. This appears to have been a glitch in the XXXX banking system that the recipient is a part of. The recipient was made inactive in the Bank of America website due to this. 

*Issue* : We can't reactivate/delete this recipient, to reattempt the wire transfer again. We have contacted Bank of America multiple times since the wire was returned in an effort to reactivate/delete/readd the recipient but no one at Bank of America seems to have a clue on how to fix this. The various Bank of America departments that we are shuttled across every time we call are " Online Banking '', " Business Banking '', " Wire Transfer '' - and despite numerous calls & online chats with Bank of America representatives - they just keep transferring the calls to another department. We have been going in circles for over 6 weeks now, including 2 calls done today, XX/XX/2023. 

Please help in escalating this to the right levels in Bank of America to resolve this issue so we can send another wire to this recipient - otherwise we will have to look for Banking services elsewhere.

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 2023-05-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An unauthorized account and inquiries reported on my credit profile. 15usc1681

Company response to consumer: Closed with explanation