BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 explanation
Consumer complaint received 2020-03-08
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried on three occasions now to get LexisNexis to remove a bankruptcy they have listed on my profile.I have sent LexisNexis a written letter from the bankruptcy courts stating that they do not give out such information neither do they verify the accuracy of such records. I have proof that i sent my first letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX, XXXX.They responded without providing me any copy of any original documentation of their claim. I sent a second round of letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX. This time they did not respond at all to me within the thirty days nor after. When they failed to respond i sent them a thirty day non-response letter on XX/XX/XXXX which they received on XX/XX/XXXX. They again responded without providing me a copy of the original documentation which is required under the Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. They are also reporting addresses that i am not associated with that i will like to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi, recently there was a statement sent out from XXXX XXXX to Equifax. The statement sent, after discussing a miscommunication, of a 12 month, 0 % introductory period/roll over account from XXXX XXXX XXXX XXXX, was contingent on 2.9 % of the total balance. I 'm now aware of the miscommunication and cleared late charges and brought my account to balance. Ther contingency is : there are no late fees, or interest charges, applied the first three months of my rollover, that should have triggered late payments. Please remove any adverse remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/XXXX  XXXX Balance : {$220.00} ; XXXX  XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  / XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$500.00}

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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  and transunon has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus

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 2015-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have disputed my name with Equifax on numerous occasions and most recently in XX/XX/XXXX 2015. Equifax is reporting me as XXXX. which I have never been XXXX. nor have I claimed to be XXXX I put in a report with the Consumer Finance Protection Bureau in XXXX 2015 against Equifax for not correcting my name. Equifax reported back to the CFPB that they were correcting this concern which they did but within a couple of weeks they changed it back XXXX. I am being harassed by Equifax because I have called them out on their illegal and unethical practices. At this point they have left me with no other option but to pursue litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
A money transfer was supposed to occ ur 2 weeks ago and BOA has  provided no help in completing this transaction. Routing numbers are unavailable and impossible to obtain and no one from the bank ever responds or tries to help correct the problem. This is unprofessional for a bank to not help with transactions or facilitate money transfers into accounts.

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 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had scholarship with   XXXX  university , earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient class action lawsuit XXXX v Navient Corp., my loans are eligible and were delinquent for consecutive months due to high risk/complications of a XXXX XXXX. The loans in question originally date back from XXXX. Navient never offered me income repayment plan ; I was offered forbearance. I learned of this later from the ombudsman office this consolidation option. The delinquency has been damaging to my credit for years. I have emailed the CEO for relief ; even worked with XXXX XXXX XXXX for a resolve. No assistance as of yet from this establishment. My next step is Attorney General and FCRA.My loans are not with this establishment any more. At the time XXXX XXXX was my lender and they used unfair tactics to get young borrowers such as myself at the time to get these loans for XXXX. These late payments on my credit score are high jacking my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Previously, XXXX/XXXX/2015 requested EqualFax to remove XXXX of Georgia since the last reported date exceeds 7 years, and by law Equifax needs to drop or delete this account ( See attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
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:
Equifax has deleted the account  XXXX   XXXX  and then it reappeared the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The reason I am filing this complaint is due to the fact that I believe that I am not being given proper consideration to avoid foreclosure on my home. I initially attempted to seek all retention programs in effort to keep my home but was advised by SLS that my account is not approved for consideration and could not supply any financial information to be reviewed for an option to keep my home such as a modification. However, I was told that they would allow me to sell my property through a short sale program. I followed their instructions and listed my property for sale. As of XX/XX/ I received over 6 offers on my property however ; SLS refuses to allow us to the opportunity to submit them although they specifically told me that they would consider all offers provided I list my property for sale. This is devastating to me because I already felt I was forced to sell my home due to the fact that they would not review any documentation for consideration of a retention program especially given that I wanted to keep my home and can afford it. My hardship has been fully resolved. So, to get to a point acquiring several offers to be only told they would not be considered is a huge blow. 

As it stands, we have a full priced offer at {$680000.00} and I am requesting that SLS allow my respective listing agent to submit the offer to the short sale department for consideration.

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 2020-03-08
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:
equifax, XXXX  and XXXX  has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax is taking too long to conduct my investigation. I asked them to investigate incorrect information on my credit report in XX/XX/XXXX, and they have not responded to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted this company that this debt is not mine. I have said this was not opened by me and should not be reported on my credit report. Portfolio Recovery continues reporting this debt as owed on my credit report. I have asked them to remove it ASAP but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a delinquent notice that XXXX sent me to collections on a student loan that I never was behind or late on. I graduate from XXXX University in XX/XX/2019 and was a student when XXXX reported me for being out of school since XX/XX/2019. I spoke with XXXX and was told to submit an enrollment verification from XXXX University to them and they would remove the 90 day delinquent notification on my credit report and they reevaluated my time in school. I received a letter from XXXX  that stated I was in the grace period until XX/XX/2019 yet it shows that as of XX/XX/2019 on my credit report that I was 90 days late on my student loan repayment. How is this even possible when I was in a grace period and the letter I received from XXXX  shows that I was not late or at risk of being late yet they refuse to take this off of my credit? I shouldn't have this remark on my credit report and was told in XX/XX/2019 that XXXX would remove this yet they haven't and now I submitted the paperwork to Experian and they refuse to remove it from my credit. My credit scores dropped over 100+ points in XX/XX/2019 and I have not been able to get them back to the state of over XXXX  like it was in XXXX/XX/XX/2019. I want this immediately removed from my credit report and XXXX  to be held accountable. I also know that when I looked more into the issue with XXXX   and they have class action lawsuits for this very reason and I don't believe that their inability to take responsibility for their errors should be placed on 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 non-monetary relief
Consumer complaint received 2021-08-26
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Monday, XX/XX/2021 I initiated a bank transfer from my checking account at XXXX XXXX  to my account with Paypal. While the Paypal website indicates it takes XXXX to XXXX business days to complete a transfer, I find this unacceptable. 

All banks today are capable of completing a wire transfer within a few minutes and an ACH payment in XXXX hours. After initiating the transfer at approximately XXXX AM on XX/XX/2021, I was alerted at XXXX AM on Tuesday, XX/XX/2021 that the funds had been withdrawn from my XXXX  checking account. 

Later on XX/XX/2021 I contacted Paypal to find out when the funds would be available in my Paypal account. They only stated XXXX - 5 days. The Paypal website indicated funds would be available by XXXX PM on XX/XX/2021. 

On XX/XX/2021 I contacted Paypal again. I explained that I was concerned that the funds had left my XXXX XXXX  checking account at XXXX AM on Tuesday, XX/XX/2021 and that the funds are not available or pending in my Paypal account. I asked if they could tell me where my funds were and they were not able to do so. I then inquired if it was possible to have the transaction reversed, and again they told me I was not able to do that. 

I contacted XXXX XXXX  and asked if they would be able to cancel the transfer. Since the funds had already been withdrawn from my account, they could not cancel the transfer from XXXX XXXX. 

I am concerned that Paypal is holding funds unnecessarily and for prolonged amounts of time in order to profit from these funds being held on the inrta-day money market or by other means using my funds to their benefit and to my detriment. Further, because Paypal is unable or unwilling to offer a reasonable explanation as to why it takes so much longer for them to comlete a transaction compared with other banks and online financial services companies, I feel they should be held liable to show proof as to why the transfer process takes the amount of time they state it does. They have the ability to instantly transfer funds between banks and other payment services, so why does this type of transfer require up to XXXX business days? I can transfer funds around the world many times in 5 days through multiple institutions and currencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My joint checking account with Wells Fargo was overdrawn and I made a transfer from XXXX account to another which posted to my joint account on XX/XX/XXXX. They charged me XXXX overdraft fee of {$35.00} each for XXXX transactions stating that they overdrafted on XX/XX/XXXX. However, using my online banking account and looking at my joint checking account it shows that all XXXX transactions in question did not post to my account until XX/XX/XXXX which is the same day that my deposit posted and my deposit is posted immediately because it was just transferred from my husbands account into our joint checking account with the same bank. Put they want to tell me that XXXX checks and an electronic payment posted on XX/XX/XXXX and my online account detail show they posted on XX/XX/XXXX. Here is the proof directly copied from my online banking account detail XX/XX/2016 ONLINE TRANSFER FROM XXXX CHECKING XXXX REF # XXXX ON XX/XX/2016 {$1500.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$100.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$140.00} XXXX RETRY PYMT XXXX XXXX XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$50.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 XXXX XXXX PYMT XXXX XXXX {$140.00} Collapse XX/XX/2016 CHECK # XXXX image {$100.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written Collapse XX/XX/2016 CHECK # XXXX image {$50.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written And now where on my online account does it even show any transactions of XXXX. The next transaction that shows on my account was on XX/XX/XXXX. And the notification they send via online banking in which I can not copy states that the above transactions were paid on XX/XX/XXXX, if they had been paid on XX/XX/XXXX then they would 've posted to my account on XX/XX/XXXX as they always have before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My cashapp card was charged about 9 times from a company that I never heard of, first the company tried to charge me {$100.00} which was declined, I contacted cash app and they said do not worry it was declined because I didn't have enough money in he account, then the next week on the morning that my direct deposit was deposited the company XXXX XXXX  ) took out all my money in about 9 transactions in a matter of minutes, I contacted cashapp, through the app on my phone and put in disputes for every transaction which happened on XX/XX/2022, so far cash app only refunded 2- {$10.00} charges. Please help. 

It seems like cash app isn't showing every transaction on my statement now, on the day it happened it showed a total of about 11 transactions, now it only shows 9 transactions.

Company response to consumer: Closed with explanation