BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent a letter via regular XXXX mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -XXXX XXXX XXXX XXXX XXXXXXXX Identification XXXX : XXXX -XXXX Partial Acct # : XXXX XXXX XXXX Partial Acct # XXXX -XXXX Partial Acct # : XXXX - XXXX XXXX XXXX XXXX, # XXXX 15 U.S. Code 1681 section 602 A states that XXXX have a right to privacy 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-29
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
- [ x ] I have contacted Professional Placement Services ( XXXX ) numerous times via phones calls, emails, XXXX mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of XXXX statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with XXXX and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. 

# XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. 

# XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. 

# XXXX {$980.00} gave XXXX full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of XXXX ( ex-husband coverage I have no access to XXXX  ) pre-auth letter, original bill & all docs signed, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check i/a/o {$2200.00} has been debited to and cleared the payor 's account at Bank of America ( 8 weeks ago ) and still has not been credited to the payee 's ( my ) account also at Bank of America. All at various service departments at Bank of America agree that this was a bank check processing error ( see case # XXXX ). ( see also compliant # XXXX. ) However, no one at the bank seems to has the authority to correct this bank error. 

It is my understanding that a bank generally has ten business days to investigate an issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. The bank then has three business days to report its findings to you.

If the bank or cant complete its investigation within ten business days, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate. 

The bank must then resolve the issue in 45 days. 

These time frames has long past and the credit has still not been made..

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: Central Portfolio Control Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dont even know what this debt is, it just popped up on my credit even though I havent applied for nothing new. Ive been trying to clean up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had insurance with XXXX, I changed providers and they still tried to charge me after I had insurance with XXXX XXXX I'm asking to have this false information deleted from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Accounts : DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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 2022-08-23
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My lease was over and I had a move out date of XX/XX/XXXX. I was given 2 months notice so I had plenty of time to pack and clean the apartment. I moved all of my items and cleaned the apartment before turning in the keys. I received the Final Account Statement on XX/XX/XXXX. It stated that the total I owed was {$1900.00}. The amount was broken down in the following manner : {$5.00} - Water and sewer {$500.00} - Items left behind {$1200.00} - Drywall repairs and paint treatment {$270.00} - Carpet replacement As soon as I got the statement I called the office to discuss these charges as they were not valid. I tried contacting them via phone multiple times, left multiple voicemails, and did not get a response. I continued to call them from XX/XX/XXXX - XX/XX/XXXX with no response in the matter. I emailed them XX/XX/XXXX stating that I had yet to talk to someone regarding these charges. I was told by XXXX XXXX, the assistant manager, that I could not see the pictures as they were for in-office use only. I did not leave any items and there was no damage to the wall. The apartment just needed touch up paint as we were there for years and there was minimal scuffs on the wall. The carpet had the normal wear out as well. Since they were not responsive in this matter I did send a letter disputing these claims. I was never notified, never received any information from the apartment complex. This was placed in collections back in XX/XX/XXXX. I was well in the time frame to discuss these charges and this company did not provide me with any information or evidence of the charges. I have looked at their XXXX page and this is an ongoing issue with other tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

TransUnion 1.XXXX XXXX XXXX {$0.00} 2. XXXX {$0.00} 3 XXXX XXXX XXXX XXXX {$350.00} 4. XXXX XXXX {$180.00} XXXX. XXXX TEAM XXXX {$1400.00} I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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: PA
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:
RESPONSE TO COMPLAINT # XXXX Dear EQUIFAX, XXXX PLEASE INVESTIGATE CONSUMER REPORT '' I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You claim these accounts are verified? Please show proof of whom you verified these accounts through? Please send me names and addresses and if you can not provide this information please delete the below accounts. 

Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX/XXXX  Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : US DEPT ED Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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.

Delete these accounts immediately unless you want to be held liable {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Genesis FS Card Services, 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 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 payment on a credit card account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance Owed : {$8900.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}

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 non-monetary relief
Consumer complaint received 2022-08-01
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a refinance with Pentagon Federal Credit Union for XXXX XX/XX/XXXX Was told then that the amount was small but they continued to process the refinance Included my wife. Told in emails that we had until XX/XX/XXXX to obtain the intent to proceed. PenFed told me that the entire process must be completed within 30 days told to pay {$600.00} for the appraisal on XX/XX/XXXX told thank you for choosing PenFed on XX/XX/XXXX told on XX/XX/XXXX which documents needed. 
PenFed told us on XX/XX/XXXX that a response was needed no later than today at XXXX AM my wife replied by XXXX AM Here is the last email from PenFed dated XX/XX/XXXX -- Thank you for sending those. After reviewing them it looks like we are only missing the following : Unless you filed your XXXX taxes than we will need those in leu-of of ones below. Thank you Kindly. 

I opened a complaint with The XXXX XXXX XXXX regarding this matter when all attempts to contact PenFed through phone calls, emails, and letter no reply from PenFed happened until they were contacted by the XXXX. PenFed concluded that by XX/XX/XXXX we did not supply all the necessary documentation? and that the application was withdrawn for incompleteness

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 2022-12-12
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an ongoing problem with my Square Checking account which is still not resolved after over two hours of phone calls. 

I am being charged {$29.00} by Square for a Square Appointments subscription. It posted to my checking account on XX/XX/22. 

The Square Appointments team and Square Banking team keep sending me back and forth to each other ( 8 representatives spoken to today ). 

The Square Appointments team claim I did not pay for the subscription.

The Square Banking teams says they see the money and confirm it's paid, but NO ONE will take ownership of this and help me rectify the delinquency on the Square Appointments subscription.

This is unacceptable. 

Not only that, but the person this morning on the Square Appointments team unsubscribed then resubscribed me and then, even though I asked her if I would be charged and she said no, I was charged but I didn't have the money because I already paid and. I was not supposed to be charged so I had transferred money and paid myself this morning after the phone call. 

6 out of the 8 representative were inept and refused to truly listen. Two even asked for screen shots of my Square Checking transactions which I sent, then they still told me they weren't for Square Appointments. 

This is UNACCEPTABLE and I now suspect some kind of hacking or potential internal fraud. Or at least a serious issue with tracking their bank transactions, which is also unacceptable. 

Please help me with this issue as they refuse to allow me to speak with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: DISCOVER BANK
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:
CFPB WRITE UP In accordance with the fair credit Reporting act XXXX  Account # 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
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:
CFPB WRITE UP In accordance with the fair credit Reporting act XXXX  Account # 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: PA
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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore 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