BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( XXXX ) has been making daily inquiries to my TransUnion credit report without a permissible purpose since around XX/XX/2023. I have contacted TransUnion and they said there is nothing they can do to block the inquiries, which I find to be completely absurd. They can absolutely block inquiries, but are choosing not to enable such a feature. XXXX is apparently a small company with no obvious phone number, mailing address or email contact information. I considered pinging the CEO on linked in but I doubt hed acknowledge my email. I dont know how to make this stop and am concerned about who signed up as me on XXXX and what theyll do with my credit information. I have already put a fraud alert on my credit report and also froze it on TransUnion.

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 2023-08-07
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed so many dispute with this company ( CASH APP ) but they all got denied thank you to this complaint I was able to recover some of my money back but there two more transactions that I was not authorized by me! Equaling to {$32.00} and {$14.00} all by XXXX My cash app is XXXX XXXX XXXX XXXX XXXX ) please help me send this complaint to cash app for their terrible customer service. 


XX/XX/2023 lost my phone at the nail salon and came back to the nail salon owner saying that can not find my phone thats when I drove home use one of my family members phone to tracked the item see that its moving and on the way to another city ( XXXX XXXXXXXX XXXX  ) then it powered off 20 min later couldnt track it so I filed a police report and now its been days I gotten my phone back and the thief been using my cash card!! And there are multiple unauthorized charges I keep all my cards on the back in my case!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help 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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 REQUESTED THAT ALL FRAUD ACCOUNTS BE REMOVED. COMPANY 'S FAILED TO DO SO.

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 2021-03-10
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraudulent checks and deposits were made in my checking account and then disbursed through XXXX XXXX. This caused the checks and deposits to be charged back, making me lose my personal cash and the transactions out to via XXXX XXXX still be disbursed to someone I don't even know. I'm in the hole quite a bit of money at the moment and for no reason. Please help.

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 2023-08-07
Company: Experian Information Solutions 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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: AR
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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that were used to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX/XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To whom it may concern - I had financial difficulties in XXXX and XXXX and had have a loan with XXXX XXXX. I had never been late in the 4 years of having an established credit loan with XXXX XXXX  XXXX XXXX agreed to work with me and in XXXX I paid them a total of almost {$1000.00} to bring my account current and continue as a good consumer because they have always been a good company to me. The representative in that branch location informed me when I brought my account current that they would make sure that my credit report did not reflect a 30-day late payment in the month of XXXX or XXXX After bringing the account current I contacted the representative and she then informed me that she had no control over the credit and how it reflected but when I was paying my account current up-to-date she informed me she would make sure that my account did not reflect a 30- day late pay on my credit report because she knew how hard I had worked previously to build my credit as a single mother. I had never had a late pay or 30-day late pay on my credit. During the months of XXXX and XXXX my family had covid and lost a family member and we had burial expenses. I feel like XXXX XXXX lied to me and scammed me after my good faith of making sure that their account was paid and brought current and paid ahead of time all the way through XX/XX/2023. 

Now every time I call the branch office XXXX continues to tell me that she has no way of contacting their credit department even after I have sent a Written Letter to the corporate offices of XXXX XXXX she tells me there is nothing that she can do and can not give me the phone number for the corporate offices to get to their credit department other than me sending a letter directly to their corporate offices and no one has responded to me and this has been an ongoing issue of no one can get in contact with anyone at corporate for credit disputes and there's no way for them to correct their systems and the credit report will reflect whatever it reflects. 

I was promised by that branch office by XXXX that my account would not reflect on my credit report as being delinquent 30 days and I have had a open credit line with them for nearly 4 years and never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information were was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$200.00} XXXX : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$200.00}

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 explanation
Consumer complaint received 2023-03-06
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : As per 15 USC 1692c ( c ) I am notifying you to cease all further communication regarding any alleged debt through any medium. After being harassed for months, violating 15 USC 1692a ( 3 ), about a debt I do not own and using threats in an attempt to collect the alleged debt, I invoke my right to this specified remedy as per 15 USC 1692c ( 2 ) : - Pay the invoice attached. 
- Deletion from all consumer reports Any correspondence excluding a notice of receipt of this letter and paying the invoice from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if communications continue, I will file complaints with the Federal Trade Commission and the local attorney generals office. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX Balance : {$0.00} 3. XXXX XXXX XXXX XXXX Balance : {$340.00} 4. XXXX  XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX : {$0.00} 6. XXXX XXXX XXXX : {$0.00} 7. XXXX XXXX XXXX  XXXX Balance : {$0.00} 8. XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3400.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX  XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} 4. XXXX XXXX XXXX XXXX Balance : {$0.00} 5. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX 1. XXXX XXXX Balance : {$0.00} 2. XXXX XXXX Balance : {$0.00} 3. XXXX  XXXX XXXX Balance : {$0.00} 4. XXXX XXXX Balance : {$0.00} 5. XXXX XXXX Balance : {$0.00} 6. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed 7. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} 8. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} 9. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} 10. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX Balance : {$1700.00} 12. XXXX XXXX XXXX Balance : {$860.00}

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 2020-11-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX  to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a followup complaint due to my first complaint being returned as fraudulent. I am the sole person completing this complaint without the help of another party. I take my credit file very serious and I know that the credit reporting agencies are committing fraud against me. It is either the Experian or XXXX or the companies that pay them to report invalid and incorrect information on my report. Pursuant 15 USC 1681 ( a ) ( 1 ) Congress states that the banking system is dependent upon my credit file to be fair and accurate. The listed items I have continued to have the credit report agencies correct have fallen on XXXX  ears and XXXX eyes. I am giving my written instruction now and demand that the following be removed from my credit report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( misspelling of my name ), XXXX  XXXX Bankruptcy XXXX and XXXX ( this is NOT MINE ), XXXX XXXX and XXXX XXXX  XXXX ( this is NOT mine ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Y ( misspelling of my name )

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 2020-03-27
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXXXXXX {$2000.00}

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 explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2018-04-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Company ( s ) : Best Buy Credit Card through Citibank.

I opened up a credit line with Best Buy/Citibank 2 years ago in XX/XX/XXXX. I purchased a tv with this credit line and was told I would not pay any interest for 2 years, however, I was not informed that interest would come back after the 2 years. I had explicitly asked the employee who assisted me with the opening of this credit line if any changes would occur after the 2 years end, and I was assured this would turn into a regular credit card with interest. I was lead to believe this credit card would be like a normal credit card with interest, but not that the interest from the initial purchase would accumulate over time and that if i did not pay the full amount within the 2 years that interest would come back. I would have not opened this credit line if this were the case.

Last month, XX/XX/XXXX, I had a balance of {$500.00}. Now this month, XX/XX/XXXX, I receive a statement with a balance of {$1200.00}. There was an interest charge of {$710.00}. This is insane. I was under the impression that the interest charge after the 2 years would be for the remaining balance, which is {$500.00}. I was okay with this, not the ridiculous accumulated interest charge fee of {$710.00}.

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 explanation
Consumer complaint received 2023-01-13
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This does not belong to me and this company just placed on my credit file. I have NO XXXX collection. I have requested validation, verification etc and nothing has ever been sent to me. Please help

Company response to consumer: Closed with explanation