BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
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:
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: TRUIST FINANCIAL CORPORATION
State: MO
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:
Credit was applied for several different times at different banks. Credit was not given by banks but inquires are now on my credit report preventing me from actually acquiring real credit

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 2022-12-31
Company: Experian Information Solutions Inc.
State: WA
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:
Refer back to claim XXXX After XXXX closed XXXX long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain XXXX credit cards, and use pay pal and other electronic paying methods to increase my FICO score. 
Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE SHARKS TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my ONE investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX card. Which is electronically paid by my XXXX XXXX. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even XXXX cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of sharks and I hate it.

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 2020-05-25
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: Investigation took more than 30 days

Complaint:
XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX didn't remove my public records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I disputed all late fees and interest charge for XXXX XXXX  XXXX by Barclays US which was reversed back in XXXX and my account had overpayment of {$75.00} balance ( surplus ), which they sent me check for later. BR/Barclays US put a delinquency/late payment history on my credit report and did not remove it. I disputed the report with XXXX and upon providing screenshot and uploading the statement records showing that all fees have been reversed as such the report need to be corrected. However, XXXX still did not remove or correct the delinquency, despite disputing multiple times, and as per their statements, XXXX XXXX refuse fix or correct the delinquency/late payment history, provided that all fees has been reversed. I have contacted Barclays customer service line in XX/XX/XXXX, XX/XX/XXXX to fix these and again XX/XX/XXXX XXXX EST to XXXX EST to inform them of the issues. However, they refused to help or resolve these issues. XXXX the account manager refused to even answer/admit fees were reversed, and when I pressed him further he did so unwillingly. Then, I requested his title and his name correctly, he refused to provide those information and then put me on SILENT and eventually hanged up thereafter. This seems to be a new pandemic systematic tactic being used by Credit Card company to adversely undermine consumer credit scores and then charge higher interest rates and late fees on the account. Upon doing so, they make it nearly impossible to difficult to fix or correct the problem causing severe XXXX, XXXX and mental health issue. 

I called XXXX XX/XX/XXXX at XXXX XXXX EST. spoke to experian rep XXXX and as per our conversation, the rep stated that BARCLAYS BANK continue to provide them with the old information and not the most current which showed or shows statement of all fees being reversed. The rep also went further stating that BARCLAYS BANK has done this several times upon disputes and she will once again put in another dispute with Barclays to fix this issue. 

XXXX STATEMENT : Report Number XXXX XXXX XXXX REP XXXX .... 

We are responding to your request to verify item ( s ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information.

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 2023-06-13
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several times on these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$270.00}, XXXX XXXX Balance : {$990.00}, XXXX XXXX Balance : {$480.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$200.00}, XXXX XXXXXXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Dynamic Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from Dynamic Recovery Solutions regarding a debt that never existed, that they possibly made up or are useing a stolen identity. They some how knew my Social security. The debt was from XXXX XXXX XXXX, I have never had a XXXX XXXX card and my Credit score is actually very good. Also read online that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-06-22
Company: EQUIFAX, INC.
State: FL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
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: Account information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was alerted on cash app ( phone app for sending money ) that I was charged XXXX dollars and XXXX dollars around 2 weeks ago. I contacted XXXX to try to do a refund but I was denied 2 times. I told cash app and they put in a dispute and later also denied my dispute. I do not know who made these charges and have had to close my XXXX account, email account and cash app account because someone is buying things with my accounts. I have reached out multiple times and denied with long wait times. These purchases were over digital video games on the XXXX store. I closed all accounts. I have not received the digital goods and lost all my accounts with no help over actual fraudulent purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions Inc.
State: DE
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 see some unauthorized inquiries on my credit report with Experian, I tried to dispute online but it cant work, when I call they put me on hold forever. 

here are the unauthorized inquiries that need to be taken off XXXX XXXX XX/XX/2019 XXXX XX/XX/2019

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 2021-05-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My husband and I are trying to get Corporate Credit and have a company helping us to do so. Everything needs to be consistent and correct. When Experian show a credit report my address is incorrect. In their system my address is correct. What will be seen by the corporate credit company is the credit report address. The address is being reported correctly for my husband. WE HAVE BEEN TRYING TO FIX THIS SITUATION FOR 38 DAYS. We have been on hold for hours. We have been promised a correction and it never happened. We have been told we'd get a call back but it was a lie. ALL LIES. Experian has now blocked us, refuses to deal with it or let us talk to a supervisor. BOTH OF THE OTHER CREDIT REPORTS HAVE THE CORRECT ADDRESS ON OUR CREDIT REPORTS. We are on the verge of having our livelyhood ruined. 
They have also spelled my middle name XXXX incorrectly and the past 4 addresses are incorrect

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 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
Why am I losing points on my credit score for a collections removal? Please make this make sense to me that Im penalized via my credit score for having a collection removed that shouldnt have been there in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed still many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX, XXXX, MI ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/2022 ; XXXX SELF-REPORTED XXXX Balance : {$13.00} ; XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELF-REPORTED XXXX Balance : {$8.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX XXXX XXXX showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called TransUnion they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to TransUnion and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with TransUnion which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for

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 2023-01-06
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Starting paying off debt to buy a house and Im going thru a mortgage company and they pulled a credit check back in XXXX of XXXX no student loan came up. Months went by started paying stuff off by the beginning of XXXX credit karma showed there was a student loan of XXXX that I believed was taken out in XXXX? Not a 100 % sure. I havent been in school since XXXX Ive worked my whole life and still currently working have no interest of going to school. Whoever the person was that applied for a loan knew my social and old address that i havent lived In for XXXX yrs. Called the us department of education there was nothing they could do except give phone numbers that didnt work called XXXX they would go thru the steps to dispute and this was back in XXXX when I found the loan. XXXX came and gone havent heard anything. Called today XX/XX/XXXX to XXXX and they said they went thru the steps but us department of education told them that the loan was me and that was it. Filed again for a dispute with XXXX which will take another 30 days.. please I need help to get rid of this. Ps.. they couldnt tell us what school the loan was for

Company response to consumer: Closed with explanation