BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TO WHOM IT MY CONCERN, I'M ASKING FOR HELP AND WILL ATTACH ALL DOCUMENTS FOR THIS MATTER. I AM A VICTIM OF IDENTITY THEFT AND I HAVE TO CONSTANTLY TRY AND RECTIFY THE EFFE CTS AS ACCOUNTS, NAMES AND ADDRESSES THAT HAVE BEEN USED FRAUDULENTLY CONTINUES TO REPORT TO MY CREDIT REPORT. THE ACCOUNTS ARE IMPACT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NAMES ARE XXXX XXXX, XXXX XXXX, XXXX XXXX AND ADDRESSES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. PLEASE SEE ALL DOCUMENTS ATTACHED. THESE ACCOUNTS ARE AFFECTING MY LIFE AND IS CAUSING ME AND MY FAMILY BIG ISSUES WITH NOT BEING ABLE TO MOVE AND LEAVING US WITHOUT TRANSPORTATION.

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 2021-05-23
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was ineligible for stimulus at time they began, however XX/XX/2020 I became eligible. I'm on s.s I. Am basically impoverished poor health uneducated and have had multiple major head trauma. Left side of face metal. I applied through the it's an had read more than once to get funds sooner use a bank account. I had just started using Cash app so used it. Unfortunately a vehicle I was buying got impounded it was still in person 's name so they got it out, my wallet phone Cash app card several other items weren't there. I'd forgotten I'd used routing number on card. I often lose phone 's I D. Card 's forget passwords e mail addresses an so on. After many e mails Cash app support that's only accessible via e mail finally told me they could see where deposits we're made to that account. I've done everything they've asked to try to retrieve this money During this process I've lost at least 3 other phone 's at one point they said they couldn't transfer money for security reasons. The e mails seem scripted. I asked was there no other way to prove my identity? I thought the phone to be stolen if the money was deposited and moved it was stolen and I need to know if it's not and I'm The only one e mailing trying to recover why not shut down account send money back to irs. As I've said I'm very in need and don't know that what they're doing is even legal. My name is XXXX XXXX, the old phone linked to account was XXXX XXXX XXXX, my current phone number is XXXX XXXX XXXX e mail XXXX thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but XXXX XXXX XXXX and XXXX  XXXX XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In 2016, I had a {$24.00} charge on a XXXX credit card but for 3 months the billing dept. was sending the statement to the wrong address. When I finally received & promptly paid it & closed the account, it had already been reported to the credit bureaus as " 3 months late ''. 
As soon as I saw that on the reports I contacted all 3 bureaus & XXXX to correct the error. XXXX & XXXX  made the correction but not Experian as it still shows on that report as of today although I had disputed it several times since it happened. Last week I submitted another dispute and was told it would take about 30 days to process. 
An Experian agent explained that reports from the 3 bureaus may have different info because they have different policies even though they're dealing with the same data. Whatever their policies may be, all 3 should be consistent with their conclusions because the info on people 's credit may have negative & serious impacts on their lives. Since your agency has jurisdiction over all 3 bureaus, this issue needs to be resolved through your efforts.

Please let me know how it is being dealt with. Thank you.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NJ
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:
They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be on my credit report.

Company response to consumer: In progress
Consumer complaint received 2021-05-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
person texted me about possible fraud with my debit cardstating they were with Wells Fargo then they called about the same situation ... they kept me on the phone for 20 min they listed phone number XXXX which was one digit off from the number on the back of my wells fargo debit card there were also texts from 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 explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NV
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 recently looked at my credit report and found that Experian are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$640.00} as of XX/XX/2023. 
XXXX XXXX XXXX Account number-XXXX  I requested an investigation for this account with Experian and yet this inaccurate information is still on my credit report following a completed investigation by Experian. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. 
By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with CRSA enacted CDIA Metro 2 Compliance regulations, I have the right to a fair and accurate credit report, and Experian is required to remove ANY information that is not true, accurate, compliant, and verifiable.

Company response to consumer: In progress
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, Transunion and XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to Transunion and XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ( reporting to Transunion and XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXXXXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to 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 explanation
Consumer complaint received 2021-05-21
Company: Chime Financial Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I got an email from chime saying Chimes issuing bank, XXXX XXXX XXXX Member FDIC, has identified unusual activity relating to your bank account ( s ). A hold has been placed on your account until you are able to verify this activity with The XXXXXXXX XXXX 

Please see below for further details and instructions on how to request a reversal of this hold. 

What Happened Our partner, XXXX XXXXXXXX XXXX, has identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime bank accounts. 
So I called chime and they told me the problem was the XXXX dollars that my boyfriend tryed to transfer me from his edd XXXX XXXX XXXXXXXX card needed to be verified that we needed a notary saying he authorized the XXXX to be transferred to my chime account and they needed his social security card and all my info as well I sent over everything and they keep on sending the same message requesting the same stuff over and over again and I kept calling and they kept on saying they got the documents and then I would get an email from Chime saying they need the same documents again and finally on XX/XX/XXXX I called and talked to a supervisor and Told him to close my account and send me my remaining money that is in the account all my work checks, my taxes and my stimulus check was in the account so he closed and every since then o couldn't talk to anyone about my account and I have been emailing them about my account and they just send over an automated message saying they will get intouch with me in 24 hours well it never happened. I was XXXX and I seen chime had a page so I wrote on a status and one of chime Members wrote me and then email me and I sent over the documents again and no reply back and it's like they don't wan na give me my money back and I went as far as having my sister who has chime calling on three to talk to a representative and they said there is nothing they can do and all I can is email chime support and they Will Get back to me 24/48 hours and they have not that's what I been doing. I also sent a message to chime from my sister email address and they replied back immediately but not from my email address. All I want is my money from chime that's it and that's all and to see if they need anymore documents from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Transunion accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!

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 2023-01-31
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive had several phone calls from a debt collection company ( NCA ) stated that money was owed to them due to XXXX XXXX XXXX giving a me a loan on XXXX XXXX.I never applied for a loan in-person or online! XXXX never gave me a loan! .This is FRAUD!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I only owe Citi XXXX. They sent my account to an attorney saying that I owe them XXXX. Strangely, They never have been on my credit report and I have been a victim of ID theft. I don't know what to do. I hired a debt settlement company out of Florida who has been trying to settle this for me, but this lawyer and Citibank are determined to take me for all I have and have turned down an offer two weeks ago as high as XXXX, even though I don't owe them that amount!!!!!. I am being abused here thousands of times over and thats also because my state of Georgia has such poor laws that protect us against collection abuse. At this point abuse isn't even the word for it. Its far worse, I believe I am being TARGETED. They also believe that there is money available that isn't!!! I don't deserve this. This debt is over 4 years old, which is past the Statue of limitations. XXXX XXXX hired XXXXXXXX XXXX XXXXXXXX for Citi Bank to create multiple layers to protect CITI against their original offer because they want to take me for THOUSANDS OF DOLLARS. THIS IS A GRAND SCAM and a GROUP OF CRIMINALS. This Attorney, XXXX XXXX XXXX, XXXX in XXXX GA of XXXX XXXX XXXXXXXX is part of the scam. Both Citi and this Attorney need to be investigated. You should see the reviews on XXXX about XXXXXXXX XXXX XXXX, it is a nightmare. How many XXXX Citizens has this group of criminals taken? This is a scam ring. Also, I believe they broke into my account at the GA Department of Labor to try to find out where I work, thats how they decided they were going to go through and add on thousands of dollars to the original amount! I have filed a complaint against XXXX XXXX XXXX because they have my Social Security Number, and they are the only ones besides Citi and XXXX XXXX  that would have a MOTIVE!!!

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2021-05-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid 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:
On XX/XX/2021 we were contacted by XXXX XXXX XXXX located in XXXX, Florida regarding the XXXX  we own at XXXX XXXX, XXXX XXXX. Since we have not been using it, they guaranteed us that we will be receiving {$1800.00} a week, and they will charge {$390.00} a week ( 6 weeks ) A contract was downloaded for us to sign online. They just took us quickly to the lines requiring signatures or initials, without allowing us to see the full contract.They insisted the process needed to go fast. We thought they will send us the copy of the signed online contract, but we didn't receive it. The only page we received was the " XXXX Owner 's Right of Cancelation '' which states on second paragraph " You have un-waivable right to cancel this contract for any reason within 10 days after the day you sign this contract. '' We felt uncomfortable, and decided to call XXXX XXXX  the next day. XXXX told us we only have 2 weeks to use it, not 6 weeks. On XX/XX/XXXX XXXX 2 days after the online signing what we couldn't see, we sent a letter of cancelation, via certified mail to the XXXX XXXX XXXX ( copy attached ). We traced the tracking number and it showed that the cancelation letter was delivered to the front desk/reception/mail room on XX/XX/2021 at XXXX XXXX FL XXXX. They received the letter before the 10 days deadline. 

The amount of {$2300.00} XXXX $ XXXX XXXX was charged to our Citi Visa card on XX/XX/2021. We stop the payment and disputed the charge with Citi Visa on XX/XX/2021. The dispute was opened on XX/XX/2021 once Citi Visa received all proof of documents from us. We have been working with Citi Visa sending all the documentation and proof of cancelation. Credits were temporarily given by Citi Visa, however the final result given by Citi Visa is that " the merchant will not honor the request for credit based on the information provided. '' XXXX XXXX XXXX stated they never received the cancelation letter ( which is attached with all the documentation and proof of certified mail delivered to them ).

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 2022-11-27
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:
I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, XXXX, Equifax ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : Medical Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.

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 2021-05-21
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had a loan through Bridge rest financial for a XXXX XXXX XXXX which I acuired in XXXX of XXXX. All of my payments until the last 30 days have been on time. I recently traded my vehicle in on a brand new one. Part of my financing included paying off the XXXX. I told Bridgecrest that the vehicle had been traded in and I no longer possesed the vehicle. They have been relentlesly hounding me with phone calls about their money. I've explained that the dealer would pay the vehicle off within 10 business days. This wasn't good enough for them and they continue to harass with phone calls on a daily basis! How do I make them stop calling?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: OH
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:
Back in XX/XX/2015 I opened an XXXX XXXX XXXX XXXX  account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay XXXX XXXX  and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though XXXX  never responds to my direct validation requests?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation