BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
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 was not informed about information of my credit being provided to this company at all I was told I would have one inquiry and I have multiple on the same day for the purchase of one vehicleand I would like this removed I have addressed the Credit bureau and the company and it has not been resolved

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 2022-08-02
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive many ( daily ) calls from all sorts of numbers all asking me to call XXXX. There are many complaints against this company called Collection Bureau of America found via a internet search of this phone number. They always leave a message. I do not have any debts that are in arrears. I own my home outright and all of my vehicles are paid off. 

I have not received any billing or notice that I have a debt outstanding. I believe these scammers are attempting to collect on a debt that has been paid. I will not respond to any phone solicitation in any matter. If this were related to a legitimate debt, they would have contacted me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 account # XXXX Has violated my rights. 15 U.S.C 1681 section 602A. 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 2022-12-13
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Cashapp gave XXXX and XXXX on XX/XX/XXXX I don't know that company neither did I make no purchase with them they just gave my money away I asked them for the phone number to that company they gave m XXXX a bogus # I told them you gave my money to a company that not a company. This isn't the first time they gave my money away. XXXX XXXX  don't know them either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX want that back. They let company 's ask for my money n give it to them a few other company 's tried but my card was locked XXXX company yesterday. XXXX.my card was locked they tell me if a transaction wasn't completed they can't do nothing but I want to know them to know they letting company 's try to get my money and I never purchased r know them places and why it's hard for me to get my money I want all of my money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I the month of XXXX, I purchased an it through Papal. I did not get the item as promised. I filed a complaint with PayPal after contacting the business. They provided a tracking but when I finally received an item with the tracking label, the item was significantly different. 

I had ordered a mini car refrigerator but received a fake watch. By this time, PayPal had closed my case since the seller provided them with a shipment tracking. 

I requested the case to be reopened, sending PayPal evidence of the shipment label as well as the item. PayPal and the seller are forcing me to pay for the returning cost of the item they send me which is not what I purchased. 

I believe that I should not be made liable for the returning cost since i am not returning an item which I purchased. I have told both PayPal and the seller that i am not interested in the fake watch as i have no use for it. I want my full refund since it is obvious that never had the item which they advertised nor intended to ever ship what I actually purchased.

I am ready to return the wrong item shipped to me upon the seller providing me with a paid return postage. They would not refund me. Both PayPal and the seller keeps running me in circles. 

I kingly look forward to your assistance. Thank you. 

Paypal case : XXXX Transaction ID : XXXX Date : XX/XX/2020 Actual item purchased : Electric Armrest Box with AC Refrigerator & Wireless Charging for All Automobile Item received : Fake watch XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 
By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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 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 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 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 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 2022-09-28
Company: SYNCHRONY FINANCIAL
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:
Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).

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 2022-08-23
Company: World Acceptance Corporation
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:
XXXX XXXX XXXX & World Finance Corp has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my abusive ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I got an email from XXXX and XXXX ( for XXXX XXXX ) today XX/XX/2022 that a credit report was done on me today. I did not authorize this at all. I called BOA and told them I dod not do this, they filled a fraudulent claim. I also contacted XXXX and they told me to contact you and file this 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some inquiries on my credit report that do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2022-12-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Had applied for an auto loan with Auto lenders who submited the loan application to Wells Fargo whom I have my mortage with and banking. They turned me down for this reason. One or more credit accounts are in forebearance or deferment. That was my mortage back during covid which when I signed it was told it would not have any effect on my ability to borrow money. Its been long over with haven't missed any payments at all. The forbearance is long over with. After I complained they sent me a new reason I ( I have both in writing ) The new reason was incomplete credit application. Not so thwe other banks appoved me with same application. I was then used as a game stating Wells turned you dow so I went with higher then I should have rate.

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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have disputed the student loan account with the credit bureaus for several attempts to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is ridiculous..Please delete DEPT OF ED/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 2022-08-02
Company: EQUIFAX, 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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we were approved for a forbearance plan due to covid-19. 
XX/XX/XXXX we were approved for covid-19 Advanced loan modification which had the interest rate of 3.125 %. 
We accepted the offer over the phone and they told us to wait for XXXX to deliver the paperwork for us to sign and said it would take 30 to 45 days to come, but it never came and so we called numerous times to see when the paperwork would come and they kept telling us it's still coming and don't worry and they even told us don't make any payments until you've signed the paperwork. 
Finally in XX/XX/XXXX we found out that they were not going to send the paperwork for the deal we agreed to back in XXXX and this is after we called many times to find out and they kept telling us that they are very busy but we will get the paperwork. So XX/XX/XXXX they submitted the underwriting decision letter on the website but by that time we were leaving for a trip which would take us out of the country for 2 months in XXXX. And I found out that they gave us the letter by calling again because they had previously assured us that we would get the paperwork before we leave on our trip. Now in the XX/XX/XXXX underwriting letter the interest went to 5.75 % which increased our payments from the previous agreement. But because we were out of the country now they said they had to do another decision letter and we ended up with 6.375 % with a 40-year mortgage and this is what we ended up with when previously we only had 18 years left to pay. So the complaint is that from XXXX all the way to XXXX they were not able to handle this properly and give us that 3.125 % which we agreed to, when every time we called they gave us wrong information saying that the paperwork is still coming and their delay, and it seemed maybe incompetence at the time, has now left us with a much higher interest rate and a 40 year mortgage. And so we would like to see is there a way that they can Rectify this problem because I've spoken with them numerous times about this problem and all they can say is that they're sorry we went through that but there's no fixing of the amounts to show the original agreement we agreed to. Thank you very much

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 2022-08-02
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX 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 2022-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and i didn't get a response within 30 days and you all are required by law to do so please investigate my disputes. Please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between XXXX XXXX XXXX, Ive notice multi things in my name that I haven't applied for or ever even heard of addresses with my name attached that Ive NEVER lived at. Even with some inquiries. My husband that I was trying to divorce may have been using my identity before he passed due to XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: CT
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 this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Block, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i paid a deposit for a rental i had viewed in person via cashapp. the payment total was {$800.00}. this occurred XX/XX/22 and XX/XX/22. i have a signed lease and multiple text/emails between myself and the landlord about the property and the transactions. after i paid the deposit and signed the lease, i have not heard from them again

Company response to consumer: Closed with explanation