BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account XXXX : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account XXXX : XXXX, 11. Account Name : XXXX XXXX Bankruptcy Account 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 2022-04-25
Company: Block, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recently received a Cash App card sent to my home address that I did not apply for. 
The Cash App customer support numbers are both unable to get me to a live human representative to speak to and only prompt me to download the app for chat support, which no one has responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NY
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 Bank XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 Ay 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRUIST FINANCIAL CORPORATION
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 Credit and Financial Companies have 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 an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: ERC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Account No. XXXX On XX/XX/2020, A company is shown as PORTFOLIO RECOVERY A was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitors creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. Im looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts that i did not authorize.I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-07-29
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent a request for INNOVIS to FREEZE my credit report and they sent me a mail for 3 different Case # to send in a copy of my ID and Proof of address. I feel this is a delay tactic to honor my request to FREEZE my credit report for INNOVIS. | ( 1 ) Case # XXXX| ( 2 ) Case # XXXX| ( 3 ) Case # XXXX __ | See attached document

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: Aldous & Associates, PLLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with XXXX or XXXX XXXX. The only thing I have ever had with them was a free trial that was cancelled in XXXX of 2020. They continued to try to charge me father the three day trial and after their gyms were closed. I do not and will not ever owe a balance to them and will never pay a balance that they say is owed. 

I do not care if I have to escalate this to highest of courts but they will not get any money out of me in an attempt to collect a false debt. I have not and will not ever pay Aldous and Associates as this is a false debt that I have expressed many times. I dont know if XXXX participated in Identity Theft but this is highly illegal and there will be a cause of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Stellantis Financial Services US Corp.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I received a repossession notice in the mail on the XXXX of XXXX of 2022. Which gave me 3 days over a holiday weekend to come up with the money. The letter was dated on the XXXX of XX/XX/2022. The letter says that I have 13 days from the date of the letter to make a payment on the amount that is past due. It appears that they held onto the letter for several days before it was put in the mail since it should not take until the XXXX of XX/XX/2022 to receive it. If it was mailed on the XXXX of XX/XX/2022.

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 2022-09-22
Company: Grain Technology, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have tried to contact Grain 's support center to update my bank account information due to closing my formerly used bank account. The only way to get assistance from Grain is to send an email online or using the mobile app. I sent a support request on XX/XX/2022 to have my bank account information updated so I may make my monthly payment. The company sent an automated response confirming they have received my request and " our average response is around two business days but in periods of higher volume, it may be longer. '' I did not receive any response so I sent another request on XX/XX/2022. It is now XX/XX/2022 and I have not received any response from the company 's support center. My account is falling behind because I am unable to make my payment due to Grain only accepting payments within the mobile app and providing the error " tap 'Contact Us ' to change your linked account. '' This will affect my credit as Grain reports to the 3 major credit bureaus. There is no company phone number to be found in the app or on their website so I am unable to call them to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied on XX/XX/2022 and hard inquiry shows on XX/XX/2022. Associate at store said I would receive a letter in the mail as I was not immediately approved nor denied, they just need more verification information. I received a letter on XX/XX/2022 dated XX/XX/2022 stating they needed to verify my identity and to call ( XXXX ) XXXX and so I did. I verified myself was told congratulations as I was approved. Then immediately received an email about another hard inquiry by this same creditor on XX/XX/2022. I immediately called Synchrony Bank at the previous number and they told me it would not have been another hard inquiry. I advised I was looking right at my credit report and it showed XXXX hard inquiries on XXXX XXXX for the same thing. They told me to contact XXXX XXXX and they would correct it. Called XXXX XXXX at XXXX and they pretended not to be able to hear me and hung up. Therefore I am reaching out to CFPB to remove the XXXX hard 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 explanation
Consumer complaint received 2022-07-02
Company: FISERV INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRS Recovery Services is claiming my Grandmother owes two different fraudulent check amounts to XXXX XXXX XXXX, cashed by XXXX XXXXXXXX XXXX. 

1. Date XX/XX/2022 for {$400.00} Check # XXXX Transaction # : XXXX XXXX. Date XX/XX/2022 for {$240.00} Check # XXXX Transaction # : XXXX We haven't paid anything, and I keep telling TRS to tell XXXXXXXX XXXX XXXXXXXX to CHECK THE CAMERAS. 
We do not know if her identity was stolen, or if TRS Recovery Service is used as a false front for bait, because they are asking for ALL HER INFORMATION on this debt collection form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In the XXXX of XXXX, I received emails saying a payment was due on an Amex card. I do not have an Amex card and never applied for one. I ignored the emails, assuming it was spam. When I noticed a drop in my credit months later, I called Amex to file fraud. It was denied because apparently a payment was made on the account. I tried to file another claim with more information but it has continued to be denied, apparently because that a payment has been made at some point on that card. I never made a payment. Around the same time this card is said to have been opened, I had just been granted full physical custody of my son. I believe that this card was applied for, used, and possible even paid one time for by my ex, the father of my son, in retaliation to that decision. He has ALL my information. I have since changed all my passwords and account information, but he still has my social security number and other information about me I can not change. I am almost positive this was him. This is now seriously effecting my credit and I need something to be done about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a call from the XXXX XXXX police department ( came from that phone number ) and the person left me a voicemail saying he was sargeant XXXX XXXX with the XXXX XXXX sheriff 's office and needed to speak with me regarding an ongoing case. He provided a cell number to call him back at. I called back and left a voicemail and he then returned my call and said I had jurty duty that I didn't show up for and therefore was being given XXXX citations. He provided citation numbers and told me that I needed to pay these fines and meet with a judge in order for it to not remain on my record OR I can have it remain on my record. He provided me with another Officer in the Treasury Department, XXXX XXXX and an email address ( XXXX ) to send payment to through zelle. He said once payment is received, I will receive a notification and be transfered to his receptionsit to set up a court date with the judge via XXXX. I sent money and then they hung up. I have contacted my bank, XXXX XXXX and they said they can't do anything to help me. I have tried requesting a refund through Zelle but now the recipient is no longer regsitered with Zelle. I filed a police report but they haven't done much at all either. 
XXXX XXXX told me that they could not help me because the money was sent through Zelle and had already been processed so they couldn't refund or cancel the transaction. Clearly the recipient of the money had some sort of bank account and was able to receive the zelle transaction so was that account holder legit or did they falsify information to get a bank account? I feel that there should have been some sort of protection that verifies account holders and accounts before sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request I research these companies to find out who is who.

15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. 

Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.

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 2022-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX  accounts XXXX XXXX XXXX has violated my rights under 15 U.S.C 1681 section 602A and 604A section 2 and 15 U.S.C 1666B See attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
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 accounts 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 incorrect names, addresses, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-12-02
Company: ERC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Through XXXX XXXX 's credit monitoring, I noticed there was a collection out for slightly more than $ XXXX from ERC for the date of XX/XX/XXXX, which was not present on XXXX credit score report ( using XXXX ). Called the phone number listed on XXXX XXXX for the ERC company in question, which immediately asked for my Social Security Number ( I did not provide ). Looking at the phone number and address provided, they differed from the website for ERC. Fraudulent impersonator 's info : XXXX XXXX XXXX XXXX Florida, XXXX, phone number : XXXX. Upon contacting ERC through the phone number on their more legitimate looking website ( found on XXXX ), they said this information was not associated with their company.

Company response to consumer: Closed with explanation