BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 whats the day that I was so devastated that the company Square deactivated my account I had {$770.00} in my account three days before I had to pay my rent. You know XXXX I got up that day went to the store doing my regular errands and I noticed my card is declined from my XXXX which was strange because I wasnt able to transfer anything to my account. All I did was open a savings account open a checking account with square and also waiting for my debit card to get in the mail and then the next day my account was deactivated. Thats very weird thats very scamming thats fraud so the company square need to understand that every other victim that we feel in that moment is wrong that you guys is doing this to small business owner I just opened this company in XX/XX/XXXX was the first day that I started to do business with Square then deactivated on the XXXX so please help me understand Square why did you do this to my account I need to get my money ASAP the 90 days thats what make me really really fishy about this situation because it doesnt take 90 days for you to release somebodys money after investigation doesnt make sense. Help me understand why you deactivated after 28 days of being in business with you still havent got a response email eight times no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX with my wet signature on it? 
Creditors information address location phone number and agent that talk to me personally? 
Proof of payment history payments made and payments not made dates and issue documents? 
Proof of ownership and Authorization to collect?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Pennymac LOAN - XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ant open end consumer credit plan as late for Any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Marlette Funding, LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Under XXXX. Transactions are not to be shared with any XXXX party without proof that an opt out of reporting was given to me the consumer. I did not receive any opt out information. Best Egg illegally put a late payment on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2022-10-09
Company: Experian Information Solutions Inc.
State: LA
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 bureaus violated the FCRA and have not removed the fraudulently accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 days They received a police report, a theft affidavit and supporting documents to identify myself.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 had a secured credit card from XXXX listed on my credit report that I knew nothing about. Disputed 7 times in 10 months with Transunion asking them to remove the fraudulent account that didn't belong to me. I called XXXX and they had no record of me after looking up my name, email address, and the last 4 of my social security number. It seems Transunion isn't really investigating or contacting the card issuer to ask basic questions. 10 months and it's still listed on my credit report : a card that does not belong to 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 2023-11-08
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CO
Product: Credit reporting 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:
Through purchasing my home and mortgage, the company has not taken XXXX payment through the closing fee but said I would get a link provided to process that payment. I have asked multiple times to process payment. My mortgage lady was like " XXXX XXXX XXXX XXXX myself on it I'll send it again '' but that link hasn't gone through, no call no communications. I processed a payment through the mortgage website. To receive a report from XXXX XXXX on my account being Delinquent Account for over 90 days. First of all, I moved to my home on XX/XX/XXXX. My XXXX payment was supposed to be on XX/XX/XXXX, but my account that is with the mortgage company kept stating XXXX, which I paid on XX/XX/10. Turned out that that didn't go in as XXXX payment but XXXX and me still missing my XXXX payment, which is paid now but 37 days late, but not over XXXX, including that my mortgage people left me XXXX they did not do their due diligence for me as a client. The communication has not been clear, it has been disorganized & mismanaged. Here is all the evidence that it is impossible that I failed to pay over 90 days and that my credit score went from XXXX to a fair. I would like to get my credit score fixed to what it was as I have been working extremely hard to keep it intact through many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$460.00XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX  XXXX {$640.00}

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 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-09-14
Company: VYSTAR CREDIT UNION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2023 I received a letter in the mail from VyStar Credit Union stating that an account was in the negative - XXXX I've never heard of this Credit Union and where I live there is no VyStar.. I called the company and they told me to report it to the local police and my bank, also report it as fraud..

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 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I hire a company out of XXXX Ca. There are some credit cards from capital one credit and another company saying these are my credit cards with XXXX dollar limits these are not mine, I did everything to provide information to these companies, they continue to use 3rd party agencies to attack me, this has been going on for 2 years or better

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 XXXX XXXX notice some unauthorized inquiries appearing on my credit report I have attached supporting documents and a photo Id below. 

1.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 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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made Experian aware of the continued abuse of the corporations unlawful use and abuse of power and position through deprivation of rights through color of law. Attached are forms and files that exonerate my previous and current disputes with these fraudulent thieves disguised as a legitimate business, At this exact moment in time experian has been violating my federally protected rights. To further the continued insult to my financial well being experian has continued to violate my Copyright & Trademark that I, the Attorney in Fact of the XXXX XXXX person. I have legal, equitable and beneficial interests and complete control of all legal, financial and reputable interest for this " Person '' also known as XXXX XXXX legal fiction character. 
Experian has until this evening to remove 2 bankruptcies that they have listed on credit account that legally can not be tied, connected associated through either assumption or presumption. 
Experian is under Legal Notice and Demand to respond accordingly to the written and expressed instructions of I, the Attorney in Fact. Immediately. Oh, and to mention incorrect information being reported that is immediately noticed when reviewing information from all three of the reporting companies.

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 2022-10-10
Company: EQUIFAX, INC.
State: PA
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: Report provided to employer without your written authorization

Complaint:
- The work number have wrong data on my file. 
- XXXX accessed my data without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/2022, after over two decades of using my PayPal account without any issue, PayPal suddenly limited my account permanently -- banning me from using the service. They won't close my account and won't allow me to ever set up a new account with them. Many requests to them over the last year have resulted in zero details on why they felt my account should be limited -- they continuously claim they don't have to reveal their reasons. I have confirmed I did nothing that violated the user agreement/acceptable use policy. I wasn't even a seller on the platform -- just purchased goods, traded with friends/family, and gave gifts/donations. They will not allow any appeal or opportunity to address concerns. They won't permanently close the account. A request to then delete all my information and data from their system was denied- they stated that their policy allows them to keep my data around for a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Credit Karma has my account locked as soon as my direct deposit comes seem very suspicious on the company 's behalf. Issue hasn't been resolved and it's XXXX for XXXX sake I strongly believe someone is submitting false Financial SAR 's because there are fixated on the destruction of my well being. However Credit Karma is not helpful at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reviewed my credit report and : - I have a XXXXXXXX XXXX  account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXXXXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX  which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I deposited XXXX into Ally Bank Savings account On XX/XX/XXXX I deposited XXXX into All bank Savings account A total of XXXX On XX/XX/XXXX Ally froze my account when I tried to retrieve my money. 
It has been XXXX months with NO prevail. I have called dozens of times to get my XXXX back. On XX/XX/XXXX Ally closed my account and has since not made my money available. 
I was told by Ally Bank to have the original bank from where the funds came to reverse the transaction to get the money back. 
The ACH from the original bank said it was far too removed from a normal time to do a reversal of transactions. 
I told Ally the original Bank will not reverse and I still have had XXXX replies from Ally Bank to fix the issue. 
I need Ally Bank to give me my money back>>>> I do not know how to get them to reply. 
Every time I call the fraud department I am told a different story about where my funds are and how to get them back. 
The original bank from where I transferred the money said they have no legal matter to do anything. 
Ally Bank knowing this still has not responded and there is no end to this in sight. 
I have had to contact endless financial reserve companies to place formal complaints. 
I just need my money returned to me from XXXX!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with explanation