BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Kikoff Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I did know that this company had sent false information to XXXX until today. XXXX XXXX. 
They told XXXX that I owed them 2 months of payments for a loan. This was not a loan it was a saving account to save money. They told XXXX I was behind 2 months on a loan. I have never borrowed any money from Kickoff lending, I purchased a book from them more than 2 years ago but this was paid off, never late not one time. I had very good credit with Kickoff and now they told XXXX I was 2 months behind on a loan I got from them. I had a saving account with them but they said I would be able to see the saving on their website but it was no where to be founded I then tried to contact them about the saving account but was unable to get any response from them about it. You can not call them only e-mail or by mail. I sent several e-mails to them over some weeks but no response from them so later some weeks ago I sent them a letter requesting them to close the saving account some weeks later because I was never able to see the amount in the saving account, They said I could see the saving account on their website but it was not there of which I received and e-mail stating they had closed the account and they would send me my money, so far I have not received it. It was a saving account not a loan but they told XXXX it was a loan which is not true. They said I was 60 days pass due on the loan but it was a saving account not a loan. They would have known I wanted to close the account if they had answered my many e-mails. They say it was a loan but it was a saving account. I was never able to contact them about the saving account. If they had answered my e-mails then they would have known I wanted to close the account because I was not able to see the money I had put into the savings. It was not on the website to view. They said it was on their website but it wasn't .there to view. Each time I tried to view the account it was not there. I tried to close the account by e-mails but I never got any response back from them so finally I sent them a letter requesting the account to be close so they finally close the account after about a month and said they would send me my money but they haven't sent it. I don't understand why it was not on their website to view when they said it would be there. I never saw it on their website. I search all over their website and it was not there. They told XXXX it was a loan but it was a saving account and that I was 60 days pass due. It took me more than 2 months to get in touch with them, That's when I sent the letter to close the account. They never answered my many e-mails. They told XXXX it was a loan but it was not a loan but was a saving account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfilo Recovery Associates purchased my debt from XXXX XXXX 

On XXXX my representative, XXXX contatced PRA and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. PRA did take payments on XXXX, XXXX. PRA stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but PRA will not remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXXAccount # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXXAccount  # XXXXAccount name : XXXX XXXX XXXXAccount # XXXXAccount name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Accojnt # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXXwas properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on XX/XX/XXXX and Im still seeing unauthorized inquiries on my report. Please investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed these are all the unauthorized inquiries and accounts that I would like removed from my credit report immediately.

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 2023-10-31
Company: Block, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up for Square merchant processing and linked my bank info and completed my setup. After I charged my customer for service, the merchant processing Square, closed my account and stated they they are going to keep my funds {$300.00} of my earned money for 90 days without any reason. I tried to call them to get my money and they refuse to give it back. Please help this company is ripping people off and holding their earnings after they signed up with them and attempted to process payments. Square, without good reason closed my account and held my funds telling me that they will release it in 90 days. I would not use Square XXXX XXXX again. They are scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a hard inquiry on my credit report that I did not authorize on XX/XX/ for XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX stated first when I called them wherein I could not activate the cards that the person that purchased the gift cards had to come to the bank. The person went and they stated that the cards were not activated and they took money from the card routinely until a balance of XXXX was completed. the cards clearly stated that the expiration dates were XX/XX/XXXX and XX/XX/XXXX. I thought I had until them to use the cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I requested for an Assumptions Package, which I did via email sent to their XXXX email address. That was XXXXXXXX XXXX XXXX and I sent follow-up emails on XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX plus sent messages related to this using the company 's Secure Message facility. On XXXX XXXX XXXX I got an email saying they have a backlog and asked me to just be patient and wait. On XXXX XXXX XXXX and then again on XXXXXXXX XXXX XXXX I sent follow-up emails and messages again and finally got a reply to my last note saying I would get a reply on XXXXXXXX XXXX XXXX. However, I did not get anything so I sent another follow-up request on XXXX XXXX XXXX and still no reply. Its been almost 3 months now since XXXXXXXX XXXX XXXX when I first sent my original request and I can't understand why the company keeps avoiding to satisfy my request. Even if they have a backlog it should not take this long a time to get back to me especially on a very important matter. I had requested for a name and phone number to call regarding this and they keep ignoring that request also, and the general XXXX number that you can call will just tell you to submit a message request using their Secured message facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX. 

XXXX XXXX : XXXX  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 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 according with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Payment Report XXXX has violated my rights. 

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

U.S.C. 1681 Section 604A Section 2. 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 2023-02-20
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company called me and stated I as the cosigner of my daughter 's rental lease owe {$600.00} after she moved out. They gave no reason and stated we both are the hook for an additional {$600.00}. I asked them to provide documentation and a reason why, I also reached out to the apartment company who told me I need to speak with the debt collector only. I called them back and they told me I must pay the {$600.00} and provided no reason. I asked for documentation and they never mailed or emailed or followed up. I contacted an attorney who I paid to request documentation of why we owed {$600.00} and requested documentation be sent to him. They did not send any documentation to him or us and then proceed to put this debt on our credit reports citing extremely past-due fees - we do not know what the fees are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX  someone applied for a credit card on my behalf with XXXXXXXX XXXX XXXX. I never did this application and now there is a hard inquiry on my credit report. I called the bank and withdrew the application and called all 3 credit bureau to freeze my credit access and put fraud alert.

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 2022-11-06
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/22 I requested a refund of {$8200.00} from my loan servicer Aidvantage. I have called on a recurring basis to check the status of the application. The refund request has been in processing for several months. I get the same message from customer service every time I call, just keep checking your student loan balance and then youll know your application has been processed. I would like some help with getting my application processed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: WI
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:
After denial of an new home around the beginning of 2023 I learned that my credit report had fraudulent accounts and incorrect information all over my credit report It really had me shocked and sad because after my brother recently passed away I wanted to get away and start fresh to many memories in my home town all this incorrect information stopped my XXXX boys and me for being able to obtain housing which left me back in forth in hotels I had to come back and live with my mom with XXXX kids in a XXXX bedroom apartment all because the credit buruoes are reporting fraudulent accounts and wrong information after I tried to get this fixed with the credit bureaus on XX/XX/2023 and and they did not help me remove the accounts nor did they do a proper investigation I start doing my research on credit and I found under the ftra it most be deleted out all 3 credit bureous were breaking the law and that 603 - 15 U.S.C. 1681a

Company response to consumer: Closed with non-monetary relief