BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was closed on XX/XX/2002. Over 21 years ago Paid as agreed XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are in Direct Violation of The Falr Gredit Reporting Act ( Account Name & Number 1 ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearty states that I have the right to privacy.

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

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediataly as you are in direct Violation of several laws under The Far Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to XXXX5 U.S.C. 1681i ( 5 ) XXXX, Transunion and XXXX are suppose to modify my accounts that are NOT reporting correctly. I have been doing this back and forth for over a year. I have told them to reinvestigate these accounts XXXX XXXX XXXX XXXX and numerous Receivable XXXX XXXX XXXX However, they have stated everything was complete and accurate. But how is that possible when the dates open, last activity, including me even having a loan on my credit report when XXXX XXXX does not own any loans of mines after they were forgiven and removed from all credit beaurea but XXXX XXXX XXXX is constantly violating my rights and inaccurately reporting against my government social security number. 

I have also submitted supporting documentation with my previous request. 
I have advised them to remove these accounts and if not provide me proof of accuracy along with my WRITTEN CONSENT TO BE FURNISHING MY ACCOUNT which such information. Per 15 U.S.C. 1681 Section 604 A Section 2.

Per 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 more than seven years.

15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts upon my government administered social security number ; my rights has been violated. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy and confidentiality.

15 U.S.C. 1681-2 ( A ) ( 1 ) states : 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 the information is inaccurate. They are not in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

I really hope we resolved this matter ; I have been trying to work with the beaurea but they are hurting my job livelihood, my means of having a home and my character with the inaccuracies and constant updates of false information on my report. I spoke to student loans XXXX times and they have stated that they have requested all credit beaurea remove them from my account since I have no loans with them and is no longer in default. Transunion abide however, experian and XXXX has not. I am so fed up with going back and forth and constantly pulling you all into this but they are ignoring letters sent and well as dispute through you all.

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 2023-05-31
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While checking my personal credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX XXXX XXXX in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2023-06-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 

XXXX XXXX XXXX : has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish accounts without wriiten instructions.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report c ontaining any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 681-2 ( A ) ( 1 ) A person shall not furnished any infomation relating to consumer repairing agency if the person knows or has reasonablecause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased a money order from a check cashier on XX/XX/22 in the amount of {$610.00} for my insurance which was never received. When back to the cashier to cancel the money order and was told it was cashed at TD BANK I was given a copy of the XXXX and it had been altered. The name of my insurance company was taken out somehow and a name ( XXXX XXXX ) was printed in its place.You can clearly see the XXXX was altered PLS cashier told me in writing that the decision to reimburse me that the potential theft or fraud is made solely by the XXXX, which is TD BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Account information incorrect

Complaint:
I am respectfully taking this measure due to XXXX XXXX XXXX XXXX not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored.

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to XXXX XXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local XXXX XXXX XXXX XXXX branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account.

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 2023-04-11
Company: EQUIFAX, 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: 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. 
Account number : # XXXX, Account name : XXXXXXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX  XXXX Account number : # XXXX, Account name : XXXX XXXX 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. 1681-2 ( 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 2023-08-03
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, I advised Ally Bank that my mother passed away and I was appointed Executor of her Estate. I attached the Death Certificate and Letter of Testamentary through Secure Messaging showing that I am appointed Executor of my mom 's estate. 

I received a message that the documents were received and would be reviewed in 2-3 business days. In 7-10 business days after the review, they would mail me a " XXXX XXXX '' with instructions on what to do to get the account closed and transferred to me. 

I called Ally Bank when I did not receive anything by XX/XX/2023. The representative told me it was mailed out and give it a few more days. I called again on XX/XX/2023 and the Ally Bank representative told me they were still reviewing it and give it a few more days. So the previous representative lied when he said the documents were mailed out. I called again after not receiving anything and the XXXX told me they were going to XXXX the documents to me for next day delivery and even gave me a reference number. When I called back 2 days later after not receiving the XXXX documents, I was advised that the " Back Office '' is still doing a review. 

Ive called several times since then. My last phone call was on XX/XX/2023. The XXXX told me " it shouldn't take that long '' and checked with the " Back Office '' again. Again, they stated they're still doing their review. I even had one representative go so far as to tell me " we have a lot of other customers we work with.

I left a message to have someone call me from Ally Bank to tell me why I havent received the Beneficiary Packet. No one has called or responded to my message.

What I want is for my Mom 's account to be closed right away and the account transferred to me as Executor of her estate. I am really frustrated with Ally Bank blowing me off like they have been doing. I need this resolved right away.

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 2023-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made 12 payments of {$1000.00} from XX/XX/2022 XXXX XX/XX/2022 ( I made two payments of {$1000.00} on XXXX ). Each payment includes {$270.00} that was made to escrow. So I made a total {$3200.00} to escrow on XXXX. 

My Beginning Escrow Balance on XX/XX/2022 was {$780.00}, the Additions to Escrow is {$3200.00} ( not {$3000.00} ), the PROPERTY TAXES is {$2200.00}, the HAZARD INS is {$1200.00}, and the ESCROW REFUND is {$510.00}. So my Ending Escrow Balance of XXXX should be XXXX + XXXX - XXXX - XXXX XXXX = {$110.00}, not - {$150.00} which shows on the statement. 

The balance of my escrow balance on XXXX is {$1700.00}. I made {$1000.00} on XX/XX/2022, and {$270.00} should be applied to escrow that results balance of {$2000.00}, and after {$2200.00} tax payment from escrow account, it would result a total balance- {$160.00} on XXXX ( Not - {$430.00} which shows on the statement for mistake ). 

The company didn't applied my payment on XX/XX/2022 to my escrow account. I contacted them to correct the mistake. The replied me something not relative to my concern.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Venmo purports to be a money transfer service when it is in fact operating as a short-term XXXX equivalent . In its customer service rep 's own words, Venmo " fronts '' money that is paid to designated recipients immediately yet doesn't take payment from the sender 's bank account for XXXX days. 

This distinction becomes important for my own recent horrific experience : I initiated what I thought was a transfer but quickly noticed the originating bank account was XXXX that I had previously closed. I was unable to cancel the " transfer '' because Venmo had immediately deposited funds into the recipient 's account. Under the mistaken impression that this transaction would function like any actual transfer ( ACH, etc. ) where both the account and fund availability would be verified before flow of funds, I replicated the " transfer '' from an open account with the effect of Venmo immediately delivering to the recipient twice the intended amount. 

Within a couple of days, it became evident to me that Venmo had duped me into redundant transactions by purporting to be a transfer service rather than the " pay now, repay later '' fronting business they actually operate. I learned this through persistent account freeze emails from both Venmo and PayPal to my great disappointment since any real transfer service would first verify/validate the account then confirm fund availability rather than creating a fictitious transfer by " fronting '' funds they expect to be paid/repaid soon thereafter. 

When I called Venmo customer service in an attempt to set straight, the first call went straight to a collector who threatened to put me into collections status if I didn't pay immediately. Having an XXXX credit score and only XXXX missed payment in 30 years, this was naturally alarming. When I eventually talked their payments specialist off that ledge, he transferred me to an equally unhelpful customer service rep whose basic stance was " pay the money we duped you into redundantly sending or we'll send you back to collections. '' There was XXXX consumer-friendly concession that Venmo may have been in the wrong or could conceivably meet me in the middle. 

Although that rep was unwilling to help in any capacity ( except to send me back to collections ), he did provide the " fronting '' explanation that forms the basis of this complaint. Of course, he immediately denied the position he had articulated when I informed him that my next step would be a CFPB complaint. 

I believe that Venmo needs to be held accountable for deceptively purporting to be a transfer service like XXXX or even their sister/parent company PayPal when Venmo are undertaking none of the standard verification/validation measures available in abundance through any number of service providers and, in fact, industry standard for any legitimate transfer/payments service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
In accordance with the Fair Credit Reporting act : XXXX ) XXXX XXXX XXXX Directory XXXX XXXX XXXX XXXX IL XXXX XXXX ) XXXX Bank XXXX XXXX XXXX XXXX / # XXXX Directory XXXX XXXX XXXX XXXX XXXX Tx XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX dir # XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX Fl XXXX ) XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ) XXXX Funding XXXX ... Dir # XXXX XXXX MI XXXX XXXX XXXX info ser. XXXX ... dir # XXXX XXXX NC XXXX ) XXXX info ser XXXX dir # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX dir # XXXX XXXX VA 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 an account without my written instructions of the consumer to whom it relates.

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 2023-03-13
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payment of {$70.00} was made on XXXX to bring my account current for the XX/XX/XXXX payment date. I was charged a late fee on XX/XX/XXXX which put me over the limit. 
The company stated I made my payment too early so it charged me a late fee. I requested the fee to be waived and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Genesis FS Card Services, Inc.
State: FL
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 am a victim of identity theft. The information listed below, which appears on my XXXX credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. FRAUDULENT ACCOUNTS : CB INDIGO/GFXXXX - more than {$700.00} collection reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - more than {$700.00} collection reported to XXXX I have reported these fraudulent accounts to the companies listed above, requesting credit validation, debt validation, or anything they can provide me to prove ownership. It has been years, and I am still fighting with these fraudulent companies to REMOVE such collections because I DO NOT OWN or OWNED THESE ACCOUNTS. I am still waiting to receive a collection letter, debt notifications, credit card account, information of such, or anything to let me know I was getting reporting to collection agencies to allow me to challenge such with proof of my identity. I am also submitting an Identity theft report and evidence of my identity, and I request these companies to stop damaging my reputation and to remove such fraudulent items from my credit report with XXXX. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. I appreciate your prompt attention to this matter and await your reply.

Company response to consumer: Closed with explanation