BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX X/XX/17 to dispute inaccurate infomation on my credit report and they signed for letter X/XX/17 at XXXX XXXX. I have 3 date stamped credit reports on X/XX/17 day 31 from XXXX, XXXX and Experian which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter X/XX/17 that they signed for XXXX XXXX,2017 at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.

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 2022-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, 2022 i tried to make a purchase of {$27.00} with my Wells Fargo credit card and again it was declined. i have a {$50000.00} limit on my card and it keeps getting declined. i received an email asking if i made the attempt to use my card and if it was good click here to correct. i did that and a red page came up saying STOP do not use this page. 

i called Wells Fargo and got 4 different people who could only say " sorry ''. i asked they lift such tight restrictions on my card. the answer was sorry no!!!! 

Wells Fargo has forced me to close every account i had with them as they were crooks using my money to open new accounts which is a well-known fact. 

They could care less, and they are costing me my reputation and time. Please someone help me.

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 2020-01-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a balance of {$1700.00} in my Venmo account on XX/XX/2019. I sent {$1300.00} from my Venmo account to my bank account so that I could pay my bills for the month before XXXX, which then left a balance of XXXX. It told me that I would have it in my bank account on XXXX XXXX because for some reason it would not let me do an instant transfer. On XXXX XXXX I received an email from Venmo saying " Your Venmo account has been frozen due to recent activity that triggered some security alerts. 
Please contact us by replying to this email if you have any questions or want to reactivate your account. '' so on the XX/XX/XXXX, I sent them a message to find out why to which they claimed that I had another account that owed XXXX, I did have another account at one time and got locked out so I opened a new one, I didn't recall owing money but I wasn't denying that, I don't have a problem with them takingXXXX out of what they have stolen from me which is ( XXXX ). They tell me I need to pay an additional XXXX and then submit for a refund of the XXXX and they will look into it within 5 business days. That is not acceptable. Venmo is a payment system that transfers from one person to another. There is no reason they should " freeze '' XXXX for a bill of XXXX and then tell me to send them ANOTHER XXXX and then they will consider sending me the XXXX back. So basically they have stolen {$950.00} from me that isn't theres. This company is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX. XX/XX/XXXX to dispute inaccurate infomation on my credit report and they signed for letter XX/XX/XXXX at XXXX XXXX. I have 3 date stamped credit reports on XX/XX/XXXX day 31 from XXXX, Transunion and XXXX which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XX/XX/XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
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: Old information reappears or never goes away

Complaint:
Five collection accounts were deleted due to me not having a legal contract with the company and during the equifax breach the collection accounts were added back on. I uploaded copies showing the accounts were deleted and the documents showing the accounts being added back on! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. And Equifax did NOT notify me The FCRA requires credit reporting agencies to " maintain reasonable procedures that ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
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:
I don't recognize this accounts, i'm not responsible for it. I believe that somebody used my personal information.

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 2022-06-14
Company: ACIMA CREDIT, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I went to XXXX 's slash XXXX to get a lab top located in XXXX  around XXXX with a sale 's lady named XXXX XXXX told me that the Lab top was {$540.00} when it wasn't it was {$440.00} and they sold it to me the Lab top on display and it wasn't in a box they had to data ear the computer and take the password off or what ever as soon as I got home to try out the new computer it started to free up so I didn't use it anymore I called XXXX about XXXX months ago to send me a box so I can send y'all computer back they told me that I have to take pictures to the computer and send it too them which I did they didn't send me a box talking about they was going to still charge me for it but they send me information stating that if I send the product back too them I wouldn't be charged and as of today they wrote a charge for this computer and now it's on my credit I also asked the can I take back to the store which is XXXX XXXX which they have an XXXX XXXX in their they told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Social Finance, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
There has never been any type of consistency on how the payments are divided into Principal and Interest, and they will not provide an Amortization schedule that shows how the payments are divided. Just strange to me that they said that. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Commonwealth Financial Systems dated XX/XX/XXXX. I have no relationship with this company whatsoever. It states my account has been placed with Commonwealth Financial Systems by XXXX XXXX XXXX XXXX XXXX and that the original creditor was XXXX XXXX XXXX XXXX XXXX. The letters states {$790.00} is due from a service date of XX/XX/XXXX. It mentions they will give a 25 % discount if paid within 45 days. 

I immediately assumed this was a scam ( it was addressed to my middle and last name instead of first and last name ). I did not have any outstanding medical accounts ( I have health insurance ) and XXXX XXXX XXXX XXXX XXXX is not even in my state. I did not have any service on the date listed. 

I did a XXXX search for Commonwealth Financial XXXX  and found a large amount of complaints where this company would try to collect debt on false medical accounts and if not collected, report them to the credit bureaus. I did not contact Commonwealth Financial XXXX due to the amount of complains I read about their reps being abusive. I also did not want to relay my personal info. I'm worried they will report this false account to the credit bureaus and impact my credit. I am happy to give you any info you need ( my  name, account # listed, copy of letter, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a XXXX indicating that I had a {$25000.00} balance regarding a CashApp account that had been set up suing my personal identifying information. I have no affiliation with this company and I am not aware how they got a hold of my personal information. I have contacted XXXX and they have opened up a dispute with CashApp but they do not have a valid phone number to be able to get through to a live agent and I continue to get the runaround. A fraud packet was sent to their fraud department on XX/XX/XXXX and per the tracking number : XXXX XXXX XXXX XXXX XXXX the documentation was received on XX/XX/XXXX at XXXXXXXX XXXX via their Cash App address XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This has been an ongoing investigation resulting of no response from this company and I want to confirm if they have received my fraud package and acted against this account that I have no control over. 
This account was opened some time in XXXX and I did not become aware of it until XX/XX/XXXX. The Account # : XXXX. I have set up fraud alerts with the three major credit bureaus and need assistance with the closure of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Early Warning Services, LLC
State: CA
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:
I have a checking and saving account with XXXX XXXX and they are reporting all of my private banking information which includes my daily balances, who I wrote checks and what deposit that I make to a company called Early Warning Services. I have contacted XXXX XXXX over the phone and in a branch and know one is able to tell me anything about this company and how are there legally allowed to know everything about my checking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Account Liquidation Services Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 a check from a long closed account was written in my name by my ex. 
XXXX 's XXXX XXXX  allowed a person that was not me to write the check. I received a letter in mail from account liquidation services called them and they told me that I was going to have to go 250 miles from my house to press charges. I informed them XXXX  allowed this, did not check ID and notwithstanding the fact I am not even the same gender and therefore need to make it right. Their response is XXXX  is not required to check ID. I called XXXX and they said the same unless I go file a report again 250 miles from my house I owe the debt. Again repeating we are not required to check ID. Both were extremely rude and again can't stress enough XXXX allowed this to happen and is taking the stance.. oh well your problem ..you owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Real Time Group, Inc.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I want to start by saying that Real Time has been nothing but polite and considerate this whole time. I do not fault any of the service reps that I have dealt with. My husband and I obtained a home equity loan through XXXX XXXX 9 years ago that was 125 % of our home value. The market crashed and XXXX went out of business, selling our loan to Real Time Resolution or an investor that they represent for pennies on the dollar. We ended up filing for Chapter XXXX bankruptcy 7 years ago. Our lawyer avoided the lien in the bankruptcy paperwork and Real Time did not file any objections. Our home was very negative at the time. We were able to settle with our 1st mortgage company and have been making payments on time since. This year we are trying to refinance our home mortgage so that we can pay off some extra debt and we have good equity in our home now. I have spent the last several months trying to get a settlement with Real Time. They say that we owe {$69000.00} in principal on the original loan and then want an additional {$75000.00} in interest for the last 8 years of not paying on this second mortgage. They are not on our title and they are not on our credit report and they have not been able to provide me with the documentation stating that they have the authority to remove the lien from our title. They were not willing to present an offer to their investor because it was not enough. Another offer was just made but we are hitting a point were our DTI is going to make this process impossible. I worry that they actually do not have a claim here and that I am going to send them money and nothing will happen except I am now out a lot of money. I have never seen any paperwork stating loan balances but I know that they were not able to bother us because of the bankruptcy laws. Realtime loan # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-14
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 
.6.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9 Validate Account XXXX. XXXX XXXX Account Number : XXXX Please remove it from 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