BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/XXXX I checked my credit report and found a hard pull from XXXX XXXX XXXX XXXXXX/XX/XXXX on my Equifax report that XXXX did not authorize nor initiate. I immediately contacted XXXX and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. On XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute that day at approximately XXXX XXXX  on the grounds of fraud with Equifax XXXX Less than XXXX hours later I received a notification that the investigation was complete and the dispute denied - no action to remove the inquiry on my report. I then contacted Equifax on XX/XX/XXXX regarding the dispute and was told that I needed to contact XXXX to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted XXXX who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau. Currently, the inquiry on my credit report remains, as neither XXXX nor Equifax will take steps to rectify the fraudulent report. 

If XXXX XXXX claims they now have no record of the credit application, then Equifax should have been able to remove the inquiry after contacting the company for verification after I submitted my dispute to them. This, and the less than XXXX hour turnaround time for my dispute, clearly indicates that Equifax made no attempt to contact the furnisher and simply denied my dispute with no actual investigative effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: National Credit Systems,Inc.
State: SC
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:
Me and the apartment complex I lived in while in college had a disagreement about me having a XXXX XXXX XXXX XXXXold to me by XXXX XXXXXXXX XXXX  department. It was serious enough that they gave them XXXX  days to fix it. Since then I started to be XXXX. The place never kept a XXXX while I was a tenant. Most correspondence was through emails which I still have from XXXX 2018. 
XXXX  XXXX came in when my lease was up and went about things the wrong way of cleaning up the complex. Tried to track on extra fees and charged almost a month after I moved out. I disagreed from the beginning and was threatened with balance bring place in credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: N.A.R., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent this company a cease and desist on  XXXX   XXXX ,  2015 .     On  XXXX   XXXX ,  2015 , my attorney received notification that the debt was removed from my  XXXX  credit report.     Now, under the name of a different collector, the debit has been added back to my credit report. This time it is showing on  XXXX , not  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 credit federal act my rights have been violated by these companies i know my right under the 15 u.s.c. law ... # XXXX XXXX XXXX XXXX is still reporting my credit after its been closed out and charged off for over a year i tried before to have this matter solve.. # XXXX XXXX XXXX  is reporting false information to collect money.. # XXXX XXXX XXXX XXXX reporting false collection on my credit report # XXXX is reporting late payments that was already discussed

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 2023-01-02
Company: EQUIFAX, INC.
State: IL
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2007 ; XXXX XXXX XXXX AV XXXX XXXX, IL XXXX ; XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX acc # XXXX Amount {$2000.00} I have near heard of this company before. I have not seen this on my credit report until lately. I have no idea what this company does or is. I have contacted them, and they told me they sent emails to me and tried to call me. I have not received any emails or phone calls from this company. I do believe my identity may have been accessed during this time. I have exactly four charges during this time, that I am unaware of. I did not create this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Block, Inc.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
To Whom It May Concern : I have an on going dispute with Afterpay, as I ordered some items back in XXXX from XXXX from XXXX. At the time XXXX was offering a VIP program I declined. I received and paid for my items through Afterpay I received those items and thought that the transaction was complete. 

Afterpay continued to charge for the VIP. I disputed these charges and closed the account that I used at the time. That account ended in XXXX. I called out to XXXX on XXXX and I have confirmation that the account was closed. 

Afterpay used the account ending in XXXX to continue paying for the Fabletics VIP membership that I no longer have. I DID NOT GIVE Afterpay permission to use this card. I guess I am still in dispute with them. 

I called the issuers for the card ending in XXXX disputed this transaction and canceled this card as well. I want them to stop. They are like a bad boyfriend with an STD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-02-20
Company: Early Warning Services, LLC
State: MN
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:
The following information and closed bank accounts listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX is inaccurate, fraudulent and not my closed bank accounts : XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX Bank, Bank Routing Number : XXXX, Account Number : XXXX, XXXX  XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX  XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, The following credit Inquiries are fraudulent and not my credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: PA
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:
Please remove this incorrect and is messing up my livelihood 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: ROBINHOOD MARKETS INC.
State: TX
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 started using Robinhood around last XXXX, I started using and slowly by slowly it got up to {$36000.00}, time passed by and I wanted to withdraw my money from the app but it wouldnt let me fully completed my transaction. My wife also tried to withdraw the money from the app Robinhood but instead she accidentally deposit another {$36000.00} around there and with the cents and everything it adds up to {$72000.00}. Around the end of XX/XX/2021, I realized it was becoming serious because Ive waited a month to see if the app will ever unrestricted my account but they never did. I went online and made research to see if I can find Robinhood Customers service number as I couldnt find it in the app. My wife had found a number and handed it to me. We called that number and she said that she was from Robinhood, she and I worked for XXXX weeks, she made me XXXX money to these random people, trying to make me send $ XXXX to XXXX, then I had an instinct that this was a scam so I made a fraud report to my bank. My bank got everything back for me except the fact the {$72000.00} they said they cant help me with that and suggested I should talk to their employee. As Time pass by Ive found Robinhood official customer service number in the app. I requested a phone call and even they said the first person that I called was a scammer. Robinhood said their security were tight when it comes to talking with customers so they said theyll require me to email them, my ID, social ( back and front ), also bank statement and so on. Ive send them everything. My XXXX to XXXX attempt of calling them, they kept saying they havent receive my information of the requirements documents so but as I was impatient, I kept talking back to them and they said theyll look into it more, XXXX mins later they told me theyve found it. Then I made an official claim with a case number. Three weeks passed by. EVERY SINGLE time they kept telling me it is getting reviewed by the reviewing teams, I said give me their number so that I can keep in touch with them as I want to personally ask them whats taking them so long? The employee replied with were sorry sir but the reviewing team dont have numbers for customer and their only way for them to communicate with others is through email. he continued, Ill put this into an account and send them over again. Its been 2 weeks yet. Im not getting no where and I attempted to call them last week Saturday around XXXX and they said they need me to send them the require documents over again. I went to my bank two weeks before and the banker suggested I make complaint to consumer fianc as you guys can help me get my money back faster and gave me the link. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 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 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 has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at XXXX PM just as my daughter was to be arriving at her home in XXXX XXXX after visiting her brother & me in our home in XXXX XXXX, I received a call from a XXXX #. On the other end of that call was my daughter crying hysterically that she'd been in an auto accident. Then a man came on the line stating that she was fine but was in an accident with the wrong person ... claiming he was in the XXXX XXXX. To make this long story, he proceeded to tell me what to do if I ever wanted to see her again. I withdrew cash & attempted to send him {$2500.00} @ XXXX XXXX. The transaction failed because fraud was suspected. Then I went to XXXX XXXX to send a MoneyGram & discovered I'd lost my ID in my nervous frenzy. He told me to pay a stranger to send it for me, so I did. I was instructed to tell him I had a relative in XXXX XXXX XXXX XXXX  XXXX. He sent it for me & brought me the receipt w/the transaction # on it. Just as I was about to read it to the perpetrator, my daughter texted me. I hung up on him & ran through the store to find the guy who sent it for me to tell him it was a scam & get my money back. XXXX XXXX told me I had to file a police report & go through a process which I did, but that was not the case. Now my $ is tied up ( no one received it ), & MoneyGram will do nothing even though I sent them a huge file with everything documented. They could clear it up by calling the person who I paid {$200.00} to send the {$2500.00} MoneyGram on my behalf after misplacing my driver 's license but have neglected to do so. I'm so grateful that my daughter is okay, but it was very convincing, & I lived in a border town for 35 years & these things actually happened. It was the most terrifying day of my life. All is well now, but I would like to have my {$2500.00} back. I have tons of personal/financial documentation & receipts I can provide you when you request them. I pray that you can help me with this terrible dilemna.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$8400.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, Capital charged me an outrageous interest charge of {$60.00}!!! and to be honest i have no idea why. I have not used the card because at the moment i am jobless and have not been able to pay. Capital One already knows i am XXXX  because i have called before all my due dates and told that i have not been able to pay. They put me on a special finance program where i would not be charged late fees for 3 months and i thank them for that. But knowing how hard i am struggling, how could they charge me this outrageous fee for God knows what. When i had a job, i was making all my payments so its not like i am lying or a bad customer. this is ridiculous. They know that as soon as i am back up on my feet financially i will continue making payments. They even know the amount in my checkings account which is extremely low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX M & T bank called me to ask if I had opened an account with them. They noticed multiple accounts were being opened and it looked odd to them. The next day I had received an XXXX card from them because a fraud account was open.

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 2023-01-02
Company: EQUIFAX, 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 belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX ) 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