BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
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, this creditor has violated my rights. Under 15USC1681 Section 602 : States I have the right to Privacy. 15USC1681 Section 604A section 2 states : also reports that a consumer reporting agency can not furnish an account without my written authorization. Under 15USC166B ; A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX XXXX 's letter dated XX/XX/2021 does not legally justify the unauthorized charges disputed within it, XXXX XXXX Closing Account Statement, shows XXXX balance due as a credit balance due and closing account date & Experian Credit Report, which alone shows " No Data '' for the XXXX XXXX Credit Card account balance and scheduled payment, which is false data, because XXXX XXXX Credit Card with a {$1000.00} credit limit was never investigated thoroughly to receive from me a " Declaration of Fraudulent Activity '' as indicated in the above letter, by both XXXX XXXX and all Credit Reporting Agencies to the CFPB, such as Experian, XXXX, XXXX, and any others! 
XXXX XXXX never justified the need to use only the unauthorized signature or voice facts of " On XX/XX/2021, we resolved the dispute in the merchants favor and rebilled the account because the email address provided by the merchant matched the email address we have on file for XXXX XXXX. Also, the phone number provided by the merchant matched the phone number used to call our Risk Department by XXXX XXXX. Finally, the address provided by the merchant matched the address on file. ", to validate that I authorized the purchase of any products and/or services, because these charges were unauthorized by me in any legally valid manner, whatsoever!

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 2022-12-09
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX XX/XX/XXXX around XXXX I ordered XXXX tires ( big items ) from XXXX using Paypal credit by Synchrony Bank XXXX The seller used a glitch on the system tricking the tracking number to make it look like it was delivered to my address. The tracking showed that the seller was in New York and my mailing address is in California. On XXXX XX/XX/XXXX around XXXX ( XXXX hours after my initial order ) the seller canceled the delivery at the same time it showed that the items were delivered to my front XXXX attached a picture that shows the time line of the item being in NY at XXXX am XX/XX/XXXX then got canceled at XXXX XX/XX/XXXX and magically appear at my front porch at the same time which is impossible. 

I tried to reason with XXXX but wasnt success, so I filed a dispute with Synchrony Bank. This voided my resolution with XXXX and they direct me to deal with the bank. Supportively, Synchrony should protect my interest since I never received that order. However I filed disputed 3 times and got denied all XXXX. I faxed them the evidence that I got in contact with XXXX to confirm that they never get that package nor deliver to me. The complaint that I filed against XXXX via BBB case number # XXXX showing XXXX admitted that the seller tried to send media product which not sufficient for the XXXX tires that I ordered.

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 monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: NJ
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 looked at my consumer report from Equifax on XX/XX/2022. I noticed that Equifax has no regard for the FCRA and has without my written instructions or permission reported private transactions I had with other corporations that Congress stated shall NOT be displayed. My right to privacy has been violated. Also, Equifax has furnished a deceptive form ( Consumer Report ) and misrepresentation of what a consumer report is for financial gain. Congress states A consumer report does NOT include a report containing information on a transaction or any experiences between me ( consumer ) and the company making the report to you, collects of charge off. Equifax, furnished everything on my report a the law say you cant. They have gone beyond its corporate powers of what the FCRA allows. ( Ultra Vires Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Account information incorrect

Complaint:
To whom it may concern ; XX/XX/2022 XXXX, Experian, XXXX : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX in response you guys sent mr letter stating i need to be more sprcific how can i be more specific then stating whats my problem is you guys keep giving me the run around 2 complaints filed with consumer dept sent to yous police report filed and you guys keep responding be more specific i want the inquirys you guys cant send me proof of deleted from my file

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 2022-09-27
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed via Cashapp on 3 different occasions by the same person. I notified cashapp support of the scammer and requested they cancel payments to the scammer. They did not. They allowed the scammer to steal my money. 

{$200.00} on XX/XX/22 {$75.00} on XX/XX/22 {$120.00} on XX/XX/22 Cashapp is enabling scammers and fraudsters to steal from others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  Account Number XXXX, XXXX, XXXX, XXXX, XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX2022 I called EDfinancial, my loan service provider regarding a refund on the payments I made during the pandemic on my student loans ( {$3500.00} in payments made during the pandemic ). I requested a refund on XX/XX/XXXX and the representative told me I should expect a refund within a month. I called again today XX/XX/XXXX2022 at XXXXPM checking on the status of my refund and whether my balance will reflect the total summary by the time the loan forgiveness kicks in. I was told by this new representative that my refund will now be processed within 150 days and no status update has been given regarding my loan account balance reflecting the full balance in order to have the entire amount forgiven under the loan forgiveness plan. My current loan account balance is stated at {$12000.00}. I had a total loan amount of {$15000.00} before payments. During the pandemic I made a total of {$3500.00} is payments towards the principal amount bringing it down to {$12000.00}. I requested a refund on the {$3500.00} in payments I made and I also requested my student loan balance accurately reflect this in order for me to have my full amount fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested my mortgage company ( Mr. Cooper ) to do an escrow analysis because my new insurance was cut in half on XX/XX/XXXX. To begin they told me I just bought the house- which I actually purchased in XXXX of XXXX. Then, they told me that I was not allowed to have an escrow analysis until XXXX of XXXX. I should be able to request an analysis for such a large difference in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX company is charging me over {$2000.00} for non-existent or pre-existing damage to a rental car I rented from them. I rented the vehicle from XXXX XXXX, starting at the XXXX, CA, airport and ending at XXXX  XXXX XXXX XXXX XXXX VA. I am XXXX XXXX XXXX and recently returned from 5 years stationed overseas. I used the rental vehicle to transport some items we had in storage in CA back to VA, my new duty station. Please see attached claim accusation letter from XXXX, my response to my insurance company, and photos of the pre-existing damage to the vehicle. USAA ( my insurance company ) found me at fault, which I think was based on the low dollar amount of the claim. I did not damage this car and that is why I am seeking other means for justice. I have done some internet searches and it appears that this tactic by XXXX is quite common. Please let me know if there are any additional questions or need for info. Thank you for your consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They emailed me they closed my account due to breaking a deposit policy, Ive used them for years with the same deposit. They owe me {$5000.00} in money in my account and wont respond to me. I can not even call them they said my account is closed and to email. I looked online & they did this to hundreds of people. I have {$0.00} to my name. They stole it and are not giving me access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: ERC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: IL
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 was XXXX and my ID and social security card was stolen.

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 2017-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following accounts have been previously removed but keep reappearing on my credit report. The following companies have been removed from the report several different times but keep reappearing with old reporting dates.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   US Dept of Education   XXXX   XXXX   State Tax Lien   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Multiple people have opened accounts under my name at Truist bank. I have spoken to the bank and they still have not closed all accounts under my name. They are extremely hard to get in touch with.

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 2022-12-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On or about XX/XX/2022, I sent certified letters to Experian, XXXX, and XXXX, notifying them of inaccurate personal information on my credit report and requesting that they update the information as I have been a victim of identity theft due to the data breach of XXXX, and most recently XXXX and Experian. I also completed online Dispute Requests to correct the information. To date, XX/XX/2022, the information remains inaccurate. My name, address, and phone number are still incorrect. I have ONE mailing address and any other mailing address is a non-mailable address. I have one correct spelling of my name and one accurate phone number. Yet, all 3 credit bureaus have either refused to update my information, and/or not responded to my correspondence in the required time by law.

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 2022-09-27
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally submitted a request online via BSI Financial Services 's website for a COVID forbearance plan on XX/XX/2022 ( Email confirmation received that request was successfully submitted on XX/XX/2022 at XXXX XXXX  XXXX ). The email confirmation states that I will be contacted within 7-10 days to discuss the submission, however I wasn't contacted. I called multiple times to get a status on the request, have left message for XXXX XXXX ( My assigned account specialist ) and XXXX ( My assigned account specialist 's " Supervisor '' ), however I never heard anything back. I check the status of the request online daily, and noticed the request was gone and nothing was sent to me regarding an approval or denial. I submitted the request again on XX/XX/2022 ( Confirmation email states successfully submitted on XX/XX/2022 at XXXX XXXX  ). I called yesterday, XX/XX/2022 to request a supervisor in the Loss Mitigation Department, and was transferred to a random voice mail. This happened three additional times. I can not get a hold of anyone, and can not get the assistance or even an answer on the forbearance request because no one will call me back or speak to me directly. I get the automated dialer collection calls, but that is it. They sent me pre-foreclosure paperwork stating I have to have my balance paid in full including the advance on my escrow by XX/XX/2022. I'm not sure how they are able to take these measures without returning my calls or working with their customers like they claim to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-10
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 TransUnion : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020

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 2022-08-01
Company: EQUIFAX, INC.
State: NY
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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