BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: ADP Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I entered into an agreement with my auto insurance in XX/XX/XXXX to have payments automatically deducted from my checking account on the XXXX of each month. However, XXXX attempted to deduct two payments instead of one ACH on XX/XX/XXXX. The first payment in the amount of {$340.00} was named a merchant ACH payment on one XX/XX/XXXX and money was deducted from my balance and showed as pending. Since the miney was dedected i assumed it was paid. However Adp/Wisely stated the company never collected the funds. Money on hold was never put back. Funds were never paid and my family policy was cancelled. The money was held for 5 days, never paid or put back. Adp sais A second payment was later denied when funds were in the account. The bank stated the reason that both deposits were denied was because they both came through on the same day. This was not the case however because the first payment came through on time the date of the agreement and contract sign was XX/XX/XXXX when it first appeared as a pending payment already included and to talk to, and from my balance in the amount of {$340.00}. The payment was named a corporate ACH payment. Ado put both payments thru on XX/XX/XXXX together. Neither were approved because it was requesting the amount of {$690.00} of {$340.00} on XX/XX/XXXX four days after the agreed upon ACH withdrawal date. I was at school across the country and did not receive notice of cancellation. However, in the state of New Jersey insurers are supposed to provide 30 days cancellation instead XXXX only provided 20 days cancellation never took a XXXX payment out, but took a XXXX payment out successfully on the correct date in the right amount of {$340.00}. XXXX XXXX refused to reinstate because they were aware a claim was being filed by s person who sideswiped me. Clearly XXXX XXXX should have taken out the payment in XXXX not waited until XXXX. I really dont understand these business practices and am disputing cancellation of this policy when my money was placed on hold on or about XX/XX/XXXX on my wisely account. I will have to file a dispute with the State of New Jersey Dept of Banking and insurance as well. 
Becauee ADP has not responded to my calls. The ach numer is attached below and will be uploaded. 


Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rent an apartment at XXXXXXXX XXXX XXXXXXXX apto XXXX During the Covid-19 crisis I was not able to continue at the place. We decided to move. I explained to the property manager that we cant no afford rent. We move out and a balance of {$2700.00} was due at the time. We tried to apply for rent assistance and at that time wasnt available. 
I cant not make this payment. I called several times to ask for amended because of the Covid-19 hardship. 
We appreciate your understanding XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Money have just been leaving my cash app account without my authorization. I had XXXX sitting on my cash app {$5100.00} was taken from my account because when I goes to check the account this morning its only {$4800.00} left. Cash app do not tell me where my money went to or nothing I have tried to reach out to customer service but they have not return my funds and they wont let me order a new card to take the remaining of my funds out the account. Can you all please get my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was negatively impacted by the XXXX XXXX XXXX. There are accounts that does not belong to me nor did i open the accounts. Due to the data breach my personal information got into the wrong hands. I've also attached proof that I was a victim of the XXXX XXXX breach and also received a settlement because my credit was negatively affected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My XXXX XXXX ( XXXX ) shows 4 inaccurate at fault claims from my auto insurance over several years. This has put me in a high risk insurance catagory and has inflated my insurance costs. I have called my previous Auto insurance provider XXXX XXXX and the have sent me letters with the correct information stating No fault for these dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When Ever I try to shop for Auto insurance they refuse to quote me stating I have to many accidents or I am un insurable with there company. I had a auto insurance company send me an e-mail showing what sows up on the XXXX report. The information in false and has ruined my ability to get normal auto insurance. I have called 5 times and have had no answer. I have requested report and dispute paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Nelson Cruz & Associates LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023, XXXX XXXX XXXX XXXX, XXXX flagged my credit account as collections without properly notifying me of this debt and never sent a debt validation letter. This law firm did not inform me of any legal action taken against me by any creditor or debt collector. I do not even know who this debt collector is and do not have any knowledge of a debt owed to such collector. XXXX XXXX XXXX XXXX, XXXX is threatening to sue me for {$250.00} in attempts to collect a debt for a creditor by the fictitious business name XXXX. I am not in contract with XXXX XXXX XXXX XXXX, XXXX nor do I owe any obligations to XXXX XXXX XXXX XXXX, XXXX or any creditor who is attempting to collect a debt through this third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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 am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A made a deposit to a car dealership to pre order a vehicle for {$3000.00}, at the time of deposit I was told it was refundable. XXXX weeks later something occurred in my personal life that required me to come up with additional funds, as I tried to get refund back, I was told it was non refundable. I have processed a claim with Well Fargo. I never signed a clause, contract, nor terms and condition policy with this dealership stating the parameters. I received the receipt ( attached below ) that doesnt show or state any guidelines I was told refund was refundable and now Im being told otherwise.

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 2023-02-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MA
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 am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Despite my efforts, Experian has not responded to my request, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Experian is reporting an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. However, I have no association with this account, and I request that Experian removes it from my credit report. 

Experian has included an account attributed to XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Experian has reported a late payment for the account under XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00}. I want to clarify that this account was never late, and I request that Experian removes the late payment notation from my credit report. 

Experian has provided inaccurate information regarding the XXXX XXXX account, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$25000.00}. The reported high credit amount is incorrect, and I request that Experian corrects and updates this information on 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 explanation
Consumer complaint received 2023-05-23
Company: LCB Rent Reporting Ltd.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The landlord Credit Bureau received information from XXXX XXXX on a property in XXXX California least by my fiance at the time. My fiance signed a lease and agreed to a credit check with this man. I did not agree to anything either verbally or written. I am not on the lease. This man went to the credit bureau with no evidence and lowered my credit score by XXXX points. This is outrageous that a citizen can arbitrarily lower another person 's credit score at will. I feel my civil rights have been violated and these people need to answer for it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
For years I have disputed XXXX XXXX XXXX with XXXX, Equifax, and XXXX and have repeatedly asked for PROPER validation of debt from XXXX, as well as, asked XXXX, XXXX, and Equifax to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, Equifax, and XXXX never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from XXXX XXXX XXXX. Furthermore, XXXX XXXX XXXX continues to make representations about unsubstantiated debt. I have asked numerous times for XXXX XXXX XXXX to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. XXXX XXXX XXXX did not provide the required disclosures when collecting on debts beyond the statute of limitations. XXXX XXXX XXXX committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when XXXX XXXX XXXX determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for XXXX XXXX XXXX to investigate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2023 noticed I was taken to collections for a XXXX payment I was not aware of never opened anything for XXXX personally or willingly. 

XXXX is owed and in collections impacting my credit heavy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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:
This is my several letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged 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 2023-04-19
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX  : {$8400.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NJ
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:
After reviewing my consumer report I must inform you that there are unauthorized inquiries and inaccurate information being furnished on my report that must be removed immediately pursuant to the FCRA.

Company response to consumer: Closed with explanation