BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: PA
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:
Thank you for responding to compliant # XXXX, stating that this bankruptcy should remain on my credit report. However, I have submitted additional documentation via the Experian portal and I was unable to verify if the documentation was received via upload. Please see the attached documents with several questions I have.

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 2023-02-18
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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-11-21
Company: CURO Intermediate Holdings
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad astra keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX. 
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, 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:
I was advised to reach out to the FTC regarding the following accounts listed that are not mine. I have also reached out to my local police department and the creditors and have not been able to get this resolved. I'm reaching out to you all to see if you can help me with this. 

UNKNOWN ( Equifax : XXXX UNKNOWN Equifax : XXXX XXXX, XXXX XXXX XXXX ( Equifax : XXXX : XXXX, XXXX XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX ), XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX   : XXXX XXXX : XXXX, XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX ( Equifax : XXXX XXXX : XXXX : XXXX. I requesting the above accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
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 status incorrect

Complaint:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law. 


reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app was compromised in XXXX when some one sent themselves {$500.00} from my phone to their own account. I had no idea who this person was and when I tried resolving the issue with my bank and cash app, there was no resolution. I initially contacted my bank to reverse the charge, which they temporarily did, but after investigating they concluded it was authorized by the merchant. 

I contacted cash app and tried to dispute the charge by showing proof that the bank denied the claim, but they refused to refund me my money back. I've filed multiple disputes and yet they refused to refund me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Block, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Subject : Complaint against Cash App and XXXX for Violation of the Electronic Fund Transfer Act ( EFTA ) I am writing to file a formal complaint against Cash App and XXXX XXXX XXXX XXXX ( XXXX ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ). I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). 

According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. 

In the email response received from Cash App ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXXXXXX for the purchase of a vehicle. Cash App stated that they are unable to cancel or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. 

Cash App 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. 

I believe that XXXX, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MT
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:
My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these accounts immediately.

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 2020-02-21
Company: Experian Information Solutions 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:
FTC violations XXXX  breach In XX/XX/XXXX, XXXX announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing and no judgment or finding of wrongdoing was made.

If you are a class member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

https : XXXX they remove it and put it back on with out notifying me first Texas XX/XX/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 2023-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
The following inquires were due to identity theft 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

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 2023-09-01
Company: Experian Information Solutions 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 the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been unable to open a bank account with restrictions or at all. After investigating this claim I have recieved my reports from Early Warning System and XXXX and have discovered several problems. Attached below are the documents outlining each issue that needs to be addressed, investigated and dismissed from my personal banking and credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: PA
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:
Hello, On XX/XX/XXXX, I tried to call the XXXX Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: ALLY FINANCIAL INC.
State: GA
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 recently submitted a dispute with XXXX  that the Statue of Limitation has expired with Ally Financial. I received my results today XX/XX/XXXX that the account has been updated. Ally Financial had previous negative reporting on my credit report that is now in good standing as a closed account but has multiple errors. The status of limitation has expired for this account. The account was open on XX/XX/XXXX and reported closed on XX/XX/XXXX. However, the date of the first date of delinquency was in XXXX and it is a negative closed account. Most negative information can only stay on your credit report for a maximum of seven years. However, this is a negative and old closed account. The credit reporting limit for negative reporting is 7 years. If I dispute an account online I do not get information reported from the credit bureaus stating the reason the account has been updated or the reason for the disagreement. Because I can not come to a resolution, I submitted a complaint to fix the errors that has been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Driveway Finance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Car loan was paid off on XX/XX/2023 and i have yet to receive a XXXX release letter from the company by which in accordance with Section XXXX of the New York Vehicle and Traffic Law specifically states : Upon the satisfaction of a security interest in a vehicle the XXXX holder shall immediately upon clearance of payment execute a release of his security interest in a manner prescribed by the commissioner and mail or deliver the release to the owner To avoid being subject to action by the Department, all regulated financial institutions financing motor vehicles sales shall release liens and deliver the XXXX release no later than XXXX business days after clearance of payment. 

Also i am owed a refund for overpayment but i keep being told it can take XXXX weeks which makes no sense as the agents i spoke with kept saying its backed up? What's backed up? Printing checks?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: VA
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:
Hard inquiry on Experian Credit Report XXXX XX/XX/2023 Company name XXXX XXXX XXXX I didn't apply for the credit card or loan and no reason to see hard inquiry. Phone num listed on the credit report XXXX is disconnected number and knew it is a scam. Same company added notification to my Experian Credit report under Personal Information - Notices as Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I called Experian today and reported this as a fraud activity. 
XX/XX/2023 received a call and voice mail from XXXX. A man said I am the defendant, listed my home address, my court document number is XXXX. Also said to call XXXX and It included scary message that I am summoned to appear but I must stay in my address or call the number to receive document. I have no reason to get a credit pulled or get a scam voice mail from the collection agency. Please investigate thoroughly to prevent any other fraud victims.

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 2023-09-27
Company: EQUIFAX, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief