BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I stopped by Ashley Furniture at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX back in XXXX 2017. I do not remember the exact date. I asked about a couch I wanted to buy and the salesman told me he could check my credit score to see if I qualified for financing. He asks me for my personal information. I oblige and am told that I would qualify for a particular amount. I ended up not buying the furniture, but later received a credit card in the mail that says " thank you, here is your credit card '' I do not remember requesting a credit card, though. I am positive this establishment misled me and forced the credit card on me, despite just saying they were just going to check my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2021-10-29
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Ive used Affrims lending services several times in the past and have successfully paid off the loans. Recently I went to her firm to purchase a reconditioned XXXX XXXX and keyboard. I used the vendor call XXXX XXXXXXXX. I was approved for the full amount and XXXX  XXXX did not deliver the complete products together in 1 package. I only received the XXXX XXXX but I did not receive the keyboard. XXXX XXXX investigated the problem with XXXX. XXXX claim that it was delivered. I was home on the date that they said it would be delivered because I was expecting it. When I got the email alert I open the door and there was no product. I reached out to the company to let them know did I did not receive it. They opened an investigation with XXXX, however XXXX claim that the package was delivered. We have had several problems with XXXX in the past of claiming they have deliver products in my area, we do not have a high crime area and no problems with theft or stealing packages. The neighbors here are proactive with looking out for each other. 
I took pictures and return the XXXX XXXX because I did not want to deal with this vendor XXXX XXXX. I have receipts showing that it was returned I submitted it to Affirm however I just received a email from Affirms resolution department saying that I am still responsible for the loan. Which is totally absurd. I responded back and sent the confirmation to affirm that XXXX  XXXX received the XXXX XXXX. I do not want Affrim to try to destroy my credit by placing derogatory information on my account failure to pay or delinquent At this point, Affrim is claiming delinquent in a payment. Please respond as soon as possible with this dispute. 
Thank you for you speedy time and attention in addressing this matter. 

XXXX XXXX : XXXX XXXX XXXX UT Phone : XXXX Email : XXXX Corporate Office : XXXX Florida Phone number : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Avant Credit Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I started a personal loan with Avant on  XXXX / XXXX / XXXX  with Monthly payments of {$500.00}. On  XXXX / XXXX / XXXX  I contact avant and let them know I have had a loss in income and large amounts of medical bills and I was given a payment plan to reduce my monthly payment to {$370.00}. I was informed that there was a grace period of 10 days with meant my payments are due on the  XXXX  of each month. On  XXXX / XXXX / XXXX  I made an online ACH payment but since it was the weekend I was told they are considering my payment late and removed me from the agreed payment plan. I was never instructed that weekends do not count as payment dates and now I am told that I do not qualify for any payment agreements and its my fault that I defaulted on the payment plan. They now are showing that my payment is past due that will potentially jeopardize my credit rating. They are also saying I have to come up with {$500.00} in 7 days and then {$500.00} for the remainder of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 my Auntie XXXX XXXX used Venmo/PayPal to send me {$2200.00}. 
I was unaware that my bank " XXXX XXXX XXXX XXXX " in XXXX, Mo used a different money transfer the XXXX app to recieve money transfers. I had contacted Venmo over 12 times sending my correct email, driver 's license, 3 months of bank statements by email to the Venmo specialist team. Venmo just this last Saturday XX/XX/2022 informed me that the money was at my bank and to contact my bank, upon doing so I learned from my bank that they don't use Venmo/PayPal to ask Venmo to refund my Aunt 's {$2200.00}. My Auntie and I called today XX/XX/2022 at XXXX XXXX CT only to be told that the problem for the refund was being sent to a specialist Team for review yet again and it would take another 24 hour before I would receive an email from Venmo/PayPal to respond to the refund. The last time I made a complaint to Venmo/PayPal they told me the same thing and I had to call Venmo/PayPal back. This is going on 2 months now. Please help my Auntie XXXX get her total refund for sending my {$2200.00}, amount to send money was XXXX. If you have any questions please email me at : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was tranferred to a different servicer around  XXXX   2017 . A mysterious {$100.00} fee appeared on my statement. I contacted the servicer and they claimed it came from the prior servicer and they would fix it. I contacted the servicer again, after the same mysterious fee appeared on the next statement. It 's  XXXX . The fee was on my  XXXX  statement. So, I contacted the new servicer again. They told the same tell about the fee coming from the prior servicer only this time they claimed that I had never contacted them before. This servicer is trying to collect {$100.00} dollar appraisal fee and I 've never been late paying my mortgage. Its a swindel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Law Office of J.A. Cambece
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX from The XXXX XXXX XXXX contacted me via a recorded phone call on XXXX about a debt I uncured with XXXX. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XXXX/XXXX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that XXXX has reported that a balance of {$580.00} was written off. I wrote a letter XXXX in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XXXX XXXX, XXXX, I was contacted by a Law Firm called J.A.CAMBECE asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XXXX XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX bankruptcy has been dismissed & closed since 2016 and was unauthorized to use ... my information was disclosed publicly without my consent used in determining my public records & banking XXXX lending process based off inaccurately reporting on all 3 bureaus... i have freeze on my social on all 3 bureaus /XXXX  XXXX  so therefore this info shouldnt be publicly given r disclosed without my consent... please investigate and send correspondence to my email @ XXXX ... ive disputed 3/4xs this year n made complaints to bureaus nothing is done...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have file 4 times with the CFPB and the FTC over this account XXXX # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.

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 2017-06-12
Company: U.S. BANCORP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX, amended & restated my tax returns from XXXX & made themselves my conservator. My home was sold by my former employer in XXXX, using my XXXX XXXX ss #. The XXXX Family is also involved with organized crime. The Family made copies of my mortgage at XXXX XXXX XXXX XXXX TN using my signature. They refinanced my home with XXXX XXXX XXXX, this was done in XXXX with US Bank. The XXXX Family have property in Texas, XXXX XXXX. XXXX XXXX XXXX XXXX forged my signature to steal {$100000.00} from XXXX XXXX & sent to US Bank mtg .

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 2021-11-18
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: Was not notified of investigation status or results

Complaint:
The issue in XX/XX/21 XXXX was : Equifax in reports XXXX, XXXX and XXXX stated on XX/XX/21, XX/XX/21 and XX/XX/21 : " ... an internal review was completed and results were mailed to you. '' In reports XXXX and XXXX Equifax in apparent contradictions stated on XX/XX/21 and XX/XX/21 : " When the furnishing company provides their findings, we will send those results to you. '' XX/XX/21 XXXX complained the above to which Equifax XX/XX/21 disingenuously responded : " Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. '' Equifax 's XX/XX/21 response to XXXX was : Please provide us with the following information : Specific item name, account numbers and nature of dispute... 

In XXXX, XXXX, XXXX, XXXX and XXXX Equifax clearly acknowledged the nature of the dispute. 

The specific item name and account numbers are in the attached Equifax XX/XX/21 and XX/XX/21 confirmation # s XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Amount {$68000.00} / Account  XXXX  / Ba nk No.   XXXX  /  BofA  Check #  XXXX ,  XXXX  : Bank of America,  N.A.   XXXX   XXXX , Texas, Payee : The  XXXX   XXXX   XXXX   XXXX , Notation : Dealer Reserve  XXXX   XXXX . When we first learned that our reserve funds were no longer on deposit in the  XXXX  bank, it would not tell us where the money was -- and it took us years to find it. Our corporation is a North Carolina corporation, yet we discovered  that BofA wrongly escheated our funds to the Texas Comptroller. Compounding this error is that BofA failed to include both our last known address and our federal tax ID number, information that the Texas Property Code requires that the Texas Comptroller receive with escheated funds. The Texas Comptroller requested the omitted information, and it w as refused. The  XXXX  bank would like for our funds to be returned to it, but the Texas  Comptroller refuses to do so. Early this month Texas Asst. Attorn ey General  XXXX   XXXX  asked BofA to provide her with the omitted information, and it again refused. The fact that adults would engage in thi  s Catch 22 situation is silly because BofA might be too big to fail, but it is not above the law of either the United States or the State of Texas. The obligation to return our reserve funds lies squarely and singularly with BofA, and we have every right to insist that it pay us our funds. Then it can deal with the Texas Comptroller in an effort to recover the funds that it sent there. We no longer want to be in the middle of this circus. We submit that BofA and the Texas Comptroller have enjoyed the interest-free use of our funds for much too long already, and now we want to receive payment of our funds.
If you wish, you may consider this complaint to also be a claim against DIF for deposits unquestionably owed by BofA to T  he  XXXX   XXXX   XXXX   XXXX , a North Carolina corporation, and which Bank of Americ a, N.A., has declined to pay on demand. We have no obligation to chase our funds cross-country as a result of BofA having committed multiple errors, nor ought we to have to pay a host of legal expenses to recover our funds after such errors and subsequent default by BofA. BofA has the first obligation to pay us, and FDIC shares that responsibility for our insured funds.      Thanking you in advance for your interest and assistance in this matter.

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 2017-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
have closed credit card with  Capital On e reporting as charged off on credit reports, was sent a letter last year stating that they were reporting it incorrectly and   XXXX   XXXX    deleted the account from their report but the other  XXXX  agencies did not. Now  Capital One  says they are reporting it correctly, I am currently paying them through a debt settlement company, they will be paid the settled amount  XXXX    XXXX  . This account was never sold its been with  Capital One  the entire time. Its not considered a chargeoff if you came to a settlement and are getting paid on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Square Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 my Tax returns were deposited into my Cash App account. I was using Cash App as a baking app for direct deposit because I was having issues with my normal bank. 

Well I didnt find out untilXX/XX/2020 that it was direct deposited on that day. Well on that same day my wallet was stolen. I dont even know if my money is being Used or not? 

I contacted Cash App to try and close the account until further notice. I was told not to close the account cause I can loose the money. 

I provided the credentials SO many times they kept saying they couldnt find me. Then all of a sudden Cash App said Theyll merge my accounts. So when they asked if I had a bank card attached I said no you because Cash App is my Bank card. There were emails sent back and forth and still nothing. 


I am a single mother. I have little funds. Covid has a effected my XXXX  to attend daycare and Im with out a job. I know I have my funds and where they are at. But no one wants to help me. No one seems to even care. 

If I dont have money. Me and my XXXX  will be on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: Old information reappears or never goes away

Complaint:
Paid off my  XXXX    XXXX   and   XXXX   XXXX   XXXX   XXXX   credit cards over  three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX CContacted the us department of education loan services and explained the error and that i haven't receive any communications from them regarding my status.I enrolled in the income drive payment plan. 

XXXX notified XXXX, XXXX, and tranunion the error

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