BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I submitted a XXXX payment through Cash App to my mother 's gardener. On the following morning, the gardener informed me that he no longer had access to this account. I immediately attempted to cancel the transaction, and sent another payment of XXXX to his new account. I contacted Cash App Support, and I was told that the recipient must reverse the payment. I explained that the recipient no longer had access to the account, therefore, he was not able to reverse the payment. The recipient contacted Cash App, and explained that he no longer had access to the old account. Also, he provided the new Cash App account information, however, Cash App refused to refund the 1st payment. So, in essence Cash App kept the 1st payment. I have tried repeatedly to explain this to Cash App Support Staff, but have not received any positive response. 

The recipient also contacted Cash App per their instructions, and explained the above situation. Cash App remained firm, and refused to return the funds. 
It appears that Cash App has no regard for the little guy. This is a minute amount of money for this company. I have dealt with multiple representatives, but have not been able to resolve this issue. I am seeking your help to resolve this issue, and receive my refund. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
State: NJ
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:
As a consumer of the United States, I sent Experian a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 5 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX CU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. STOP using stall tactics. You have my permission and have been had my permission to look into these accounts which i what I instructed you to do in my formal complaint. YOU KEEP CHOOSING TO BREAK THE LAW. Ive sent multiple letter regarding me and me only which is XXXX XXXX. Your time is up by law and you have to delete these fraudulent negative items from my report that you should of been deleted.

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 2016-07-09
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The only blemish on my credit reports is as a co-signer on my son 's auto loan from XX/XX/XXXX. After the car was stolen in XX/XX/XXXX, it was recovered and turned over to Santander Consumer USA. Neither I nor, as far as I know, my son was properly notified. Instead, it went to auction. I may have helped him recover the car, if I had known all the facts! Just learned these details from my credit report! 
Manager " XXXX '' at Santander says he understands my plight fully, has " no dog in this fight, '' and would like to take it off my credit report, but " can not '' w/o your approval!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
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: Old information reappears or never goes away

Complaint:
Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX XXXX am making this complaint due to my rights are being violated. I sent in a dispute to XXXX XXXX and TRANSUNION because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs to 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 explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX , am making this complaint due to my rights are being violated. I sent in a dispute to XXXX, EQUIFAX and XXXX  because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A couple of years ago our mortgage loan was sold/transferred to Shellpoint Mortgage Servicing which is now NewRez/Shellpoint Mtg Servicing ( sister companies ). We have a VA - ARM loan ( 3.250 %  currently ). In the last few years our payments have gone up {$300.00}. Because of the current pandemic interest rates have gone down significantly ( 2.25 % ). Due to more difficult times, financially, we sought assistance to refinance our loan to decrease our monthly payment to ( at least ) our original rate of 2.75 % or better. Our credit is not perfect but we would have been able to decrease our payments by {$300.00} via streamline loan since they already have our original mortgage and information. We would not have to re-qualify for a new loan all over again. It would have been easy to streamline our loan. We spoke to several loan officers and they advised the same. So we reached out to NewRez and received an email from loan advisor. We communicated with him about our interest in refinancing. He was willing to work with us to get it done until he discovered that his company NewRez does not have the license to do loans here in Hawaii even if they acquired our loan. We asked him if that was even legal to do what they are doing where they were not licensed. He has also informed us that because his company does not have the license to do loans in Hawaii means he is also not licensed to do loans in Hawaii. So instead of getting some assistance, we have to call other lenders and see who will be able to help us. NewRez has no time frame as to when they will be able to get their license. Im sure there are a lot of customers here in Hawaii who have loans with them, but yet they are not licensed to do loans here and theirs customers are probably unaware of this lenders ' situation. I will attach the emails between myself and the loan officer from NewRez/Shellpoint. Thank you for your attention to this matter that would make such a difference to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Social Finance, 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:
I was adversely affected by COVID-19 pandemic and arranged with SOFI lending a forbearance program and was told it would not affect my credit. I have been reported late 2 times by this lender to the credit bureaus adversely affecting my credit scores. I disputed the late payments but they were upheld by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: MoneyLion Inc.
State: GA
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:
Account is still being reported as Past due with collections and charged off-closed with all three credit bureaus, when this account is not in collections or charged off. Ive asked the company to supply numbers of time the amount that they are trying to collect if my account is in fact in collections and Im being told that you have received my monthly payments. This company is illegally tagging my account has collections when Ive not received on collections call because the account has had one time auto draft payments since the beginning of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received several letters from Trasworld Systems stating I owe XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo. Phone XXXX. The sum of {$99.00}. I called XXXX XXXX & they told me that my account was paid in full. To ignore the Collection Agency. I do n't want this to affect my credit score & I want Transworld to leave me alone. I called Transworld but could never get through. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Account Number : XXXX Mohela/Department of Education, I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XX/XX/2014, 120 past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: CITIBANK, N.A.
State: KY
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:
In XXXX  XX/XX/XXXX and XXXX, there were 2 accounts opened by Macys when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since Macy 's had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked Macys to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with Macy 's and both created 1 day apart.

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 2015-05-05
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card
Issue: Transaction issue

Complaint:
My minimum payment of {$80.00} was due to American Express on XXXX/XXXX/15. I made the payment early on XXXX/XXXX/15 in the amount of {$3000.00}. I had already made my XXXX payment on XXXX/XXXX/15 in the amount of {$100.00}. They applied BOTH payments to the XXXX payment even though the XXXX/XXXX/15 payment was after the due date and then considered the XXXX/XXXX/15 late. I contacted them when I received notification of a late payment and a late fee of {$27.00}. I explained to them the {$3000.00} payment was the XXXX payment and they needed to apply it correctly and remove the late fee. They told me the system would n't let them move the payment to XXXX nor would it let them remove the late fee. I spoke with XXXX different levels of customer service as I was completely stunned that they could not do this. They said they understood but just could n't do it. They also advised me I would get an increase in my XXXX due to this late payment. I received that letter in the mail telling me I had a mandatory rate increase due to late payment. I also was told I had to pay {$150.00} and the late fee by XXXX/XXXX/15. I stated I was concerned about them reporting delinquency to the credit bureau when this was all their system 's inability to move a transaction from XXXX month to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CBC Companies, Inc.
State: NV
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:
On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX : XX/XX/XXXX - FACTUAL DATA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XXXX  : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX/XXXX and WELLS FARGO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and XXXX and WELLS FARGO with no successful resolution. There was definitely an error on their part.

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 2020-08-09
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just pulled my credit report, it has several unknown accounts and companies I have never done business with such as XXXX /XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows different balances on 2 different credit reports I HAVE ATTACHED ALL 3 REPORTS WITH VARIOUS INFORMATION AND POLICE REPORT NUMBER FROM XXXX   NC POLICE DEPT XXXX YOU CAN CONTACT THEM I HAVEN'T BEEN GIVEN A PHYSICAL REPORT YET HOWEVER I WILL SUBMIT IT ASAP THIS HAS TO BE REMOVED FROM MY REPORT I CANT FIND PROPER HOUSING

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 2015-06-08
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting inaccurate information on my credit report. There is a Judgment XXXX that is negatively impacting my credit. This Judgment was reported in error. The property was foreclosed and sold. Under Oregon law, XXXX Bank is prohibited from filing a judgment against me. Please see attached letters from my attorney, XXXX XXXX XXXX.This Judgement needs to be deleted from my credit file!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: Atlanticus Services Corporation
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to rent office space to XXXX XXXX at my office at XXXX. I keep getting calls for him XXXX from a company called Fortiva. When I tell them XXXX hasn't worked here in over XXXXXXXX XXXX they hang up on me. Their number is XXXX. I have spoken to them and asked them to remove me and explained the situation. It doesn't matter I continue to get calls from them. I do not want to receive calls from Fortiva as they tie up my phone line with nothing relative to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. 

Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.

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 2022-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Can not get my credit report thru their main website or my annual credit report. Shows no credit history or my tradelines. 
Need to be compensated for this for violations of my rights under the fair credit reporting Act. Violation {$1000.00} per occurences which is a total of 5 violations so need payment of {$5000.00}.

Company response to consumer: Closed with explanation