BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.

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 2022-12-16
Company: Block, Inc.
State: FL
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:
Cashapp routinely allows for charges ( which I previously successfully disputed ) to continue to be processed. The dispute process is lengthy and they have previously dropped the ball with their own timeframes and deadlines. 

Recently, they allowed for a previously cancelled transaction to post leaving me with a negative XXXX dollar balance ( - {$100.00}! I was in need of money at the time and only discover this negative balance after I was sent {$20.00} that I could not access as a result of this overdraft. This left me stranded without money to purchase had an drive home!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} 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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or around XX/XX/2022 I received attached letter having file number # XXXX from TransUnion dated XXXX/XXXX/2022, which appears to be a delay and stall tactic. My research shows me the CFPB and Federal Government has sued the credit agencies for the exact actions, and the law says the credit bureaus must honor the consumers requests regardless if it does comes from third parties. Please take notice I do not understand the letter, nor do I consent to any delays and or stall tactics. TransUnion I respectfully REQUIRE you to honor my notices and letters sent to you by USPS CERTIFIED MAILINGS immediately and remove all inaccurate, incomplete accounts not 100 % percent accurate and as mentioned in your letter " process my requests ''. I sent you the notices, and I am the author! Please CEASE and DESISTS violating my consumer rights. 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 explanation
Consumer complaint received 2022-09-30
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Issue w/ Edfinancial : On XX/XX/2022 I requested a refund on my account for {$10000.00} over the phone. They did not provide any confirmation of my request after I got off the phone. I tried a few times to use their chat service to check on the status of my refund but it timed out after 10 minutes of waiting each time and told me I could not be connected. I called XX/XX/2022 to check on the status of my refund request. XXXX helped me on the phone to confirm that my request was received and processing. I asked for an expected timeline and he said he couldn't say. I asked for even a general range and he said 3 months and began explaining to me that there's absolutely no way he could give me a straight answer, [ Edfinancial ] just doesn't know, then said the timeline was solely dependent on the Department of Education processing. I asked if there was anything I could do to expedite the process or any other updates I would receive and he said no, there's nothing I can do and that I have to call in to check the status periodically. I've seen countless accounts online with people receiving refunds from Edfinancial within 14 days and others being told it could be up to 180 days. This wide range of time with no explanation is not acceptable. I felt that the information provided to me over the phone was inconsistent and vague, which felt intentional. I ( and others online ) are worried that Edfinancial is intentionally delaying account refunds so that borrowers miss the XX/XX/XXXX deadline for the single time student loan relief. I want my loan reinstated before this escalates and becomes a legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On my credit re port I have balance of over {$6000.00}, that I owe to credit cards. It's incorrect. The only balance I have it's on my XXXX XXXX card and it's over {$800.00} and it will be paid by the due date The delinquency problem with XXXX XXXX was created by XXXX XXXX. Since last XXXX I had unpaid balance on XXXX XXXX card for {$42.00}. All statements XXXX XXXX were sent to the wrong address. I live at the same address for over 30 years and never moved nor applied for change of an address. Not once XXXX XXXX  contacted me by phone or email to inform about the problem with my address. The balance were paid off and yet it's in my data. I totally oppose to have as delinquency, because of XXXX XXXX irresponsible actions. 
My monthly income amount shown in my report also incorrect. 
There XXXX addresses in my credit report and 2of them are incorrect. 
I never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. That's a commercial address for XXXX XXXX. 
The address for on XXXX XXXX is incorrect. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. That's the address, where my mother used to live and was a co-owner. Last XXXX my mother passed away and that apartment will be sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: IN
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-02-10
Company: EQUIFAX, INC.
State: MI
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Early Warning Services, LLC
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I was a victum of fraud I tried contacting both parties to resolve this issue but received no help. 

Contributor 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 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) : 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 ) : States 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: CA
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 fair credit reporting act XXXX  account number XXXX  bank # XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX Experian XXXX XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions 15USC 1663 : A creditor may not treat payment on a credit card under any open end consumer credit plan as late for any purpose.

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 2020-07-10
Company: CITIBANK, N.A.
State: FL
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/2020 made a charge back complaint against XXXX XXXX XXXX for a trip they canceled. 
I wanted the {$8800.00} returned. They refused and I was issued a conditional credit for {$8800.00} On card XXXX. Dispute # XXXX On XX/XX/2020 Citi requested written information regarding the dispute. I compiled. 
On XX/XX/2020 Citi reversed the conditional credit and determined it was a valid charge. 
After numerous phone calls and written correspondence THE CONDITIONAL CREDIT OR INVESTIGATION WAS NEVER PURSUED BY CITI. 
I contacted the XXXX XXXX and the Mass. 
OFFICE OF THE ATTORNEY GENERAL. 
On XX/XX/2020 my credit card received a REFUND from XXXX XXXX for {$8800.00}. I asked for my money. 
On XX/XX/2020 Citi wrote " ..the credit balance is due to the conditional credit ... in dispute ... 
If resolve in your favor ... you can request a refund. 
Citi has used this credit balance to pay my XX/XX/2020 AND XX/XX/2020 statements!? 
I would like my REFUNDED money returned to me, the balance now is {$6000.00} 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 explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval.

I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days.

This is the second time a dealership has shopped for approvals and rates for me that this has happened.

There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.

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 2022-05-22
Company: Sunset Management, Inc
State: SC
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:
I did not authorize XXXX XXXX  to pull my personal credit score 10 times, they were using my social to verify my identity not put XXXX point decrease on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello, I have contacted Comenity for Victoria 's Secret on Wed night at XXXX and this XXXX at XXXX to request that they cancel the application. The application was done just minutes before XXXX on Wednesday, so the request was immediate. I was misled about this card account and do not wish to have a credit account with Victoria 's Secret. The application is in process and I was given a message that they needed to review and I would receive a decision in 10 days. However, I do not wish to have this account and requested that they stop the application. They have refused. I spoke to an incredibly rude and unprofessional representative named XXXX or XXXX in the application department who was supposed to be a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 may concern, I have sent several complaints this is my 3rd time REQUESTING, the unverified accounts listed below still on my credit report in violation of FCRA Federal Law. The FCRA required a copy of the original creditors documentation on record/file for me to verify the alleged accounts are mine and that it is accurate.

I dont have any records of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( my we ink signature paperwork ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 
1.XXXX XXXX XXXX XXXX , 2. 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 explanation
Consumer complaint received 2017-09-22
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have cancel my card as soon I found out they took an yearly fee. I told them I do not want another year and they refuse to refund. I told them to cancel my card. I get a bill for XXXX 2 month later. I try to tell them they owe me money ... and they hang up the phone. I feel I been taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00}

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