BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-05-19
Company: EQUIFAX, 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:
Equifax has not updated my credit file since XX/XX/2021. When I questioned this, they advised I had a block on my file, what block they would not disclose. I have written proof on XX/XX/XXXX of this year they had me submit a form to remove the block in 24 hours. Yet my file has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, sent Experian and XXXX a dispute letter 5 months ago regarding inaccurate information on my credit report. The accounts have yet to be verified and are still reporting. One account in particular was removed from my XXXX credit report last month, but Experian and XXXX have failed to remove it. The account is collection XXXX XXXX XXXX XXXX. I am requesting that Experian and XXXX follow suit and delete this unverified account. I am also demanding an investigation of the accounts listed in the dispute letter which I will attach for your reference. The letter is dated and time stamped. Investigate and remove the following accounts : 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 2022-12-06
Company: EQUIFAX, INC.
State: NY
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:
My name 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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a dispute with Equifax on a hard hit inquiry from XXXX XXXX XXXX XXXX Ga which I did not authorize..I did not dispute that at one time I had an account. I filed bankruptcy XX/XX/XXXX on XXXX XXXX XXXX.I am disputing the unauthorized hard inquiry which occured XX/XX/XXXX. after the loan has been discharged.. This still has not been resolved by Equifax. Equifax reported inaccurate information. 
Dispute # XXXX Dispute # XXXX On XX/XX/XXXX XXXX XXXX XXXX did unauthorized hard hit inquiry.On XX/XX/XXXX I called XXXX XXXX Bank left message about inquiry on my credit report..XXXX XXXX, bank official called me back. The conversation went somewhat as follows : Me : This is XXXX XXXX and I am trying to get my credit established and I see yall done an inquiry on XX/XX/XXXX. Its a hard inquiry and I havent even been in the bank. 
XXXX : Well you got a charge off here for a bad loan that we have been reporting. We gon na pull inquiries to make sure we are reporting or not. I dont think we been reporting that charge off. We fixin to put that on your credit and make sure. 
Me : Why are you doing an inquiry? You are hurting my credit. 
XXXX : Its pretty bad now. 
Me : I havent applied for credit. You shouldnt be doing an inquiry. 
XXXX : Again, Im gon na check your credit to see if that loan is being reported. It wasnt being reported last time I checked. 
Me : Its been reported since XX/XX/XXXX. You are wrong about that. You made sure. 
XXXX : Oh ok. Alright good. I just wanted to make sure it was. 
Me : Well I want you to take hard inquiry off because I did not apply for a loan. 
XXXX : Hey, I want you to pay the balance off. 
Me : I filed chapter XXXX, I dont owe that money. 
XXXX : Oh its still owed, its still on our books. 
Me : You know what you did was wrong to us. I will hire an attorney. 
XXXX : Thats fine. XXXX hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NY
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:
My name 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 reports no consent is fraud.

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 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I previously submitted a complaint twice through this website and Transunion does what they always say. Theyre working on it. Thats not good enough. My credit report states that the information meets the FRCA requirements. I was not in attendance at that school when this account was opened. I will contact an ombudsman if this is not resolved. I have 100 % payment history with every other credit reporting agency.

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 2023-05-09
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection Reported by ABILITY RECOVERY SER Date : XX/XX/2023 Amount : {$640.00} Agency Address : XXXX XXXX XXXXXXXX XXXX, PA XXXX Agency Phone : 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 2023-05-09
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My person info was used for opening a credit card at US BANK in XXXX of XXXX, which I found out in late XXXX only when I was applying a XXXX XXXX associated credit card at XXXX XXXX  when I was refused because low XXXX score. That card was charged > {$7000.00}. I was in debt for that amount and US BANK went to a court file a bankruptcy resolution for me and dropped my XXXX score so I could not be allowed to have a credit card. 

I spent more than a year to struggle with US BANK to have this clarified and I finally got a letter from them stating that I was released from the debt. However my XXXX score has not changed. A year later I called them again. The person answered the phone from US Bank asked my address saying she was the one responsible to clean my XXXX  record and would let me know if the correction was done. Instead she sent me to collection agency : XXXX XXXX XXXX XXXX. This agency has been sending collection letters to the address ( my work place, a XXXX, I am a XXXX  ). I believe that the Bank or its employee is actively participating in using personal information to steal money from the system. 

When I spoke to the Bank asking them to report my case to FBI or police for a crime investigation, I was told not need to do that. I feel that they are the ones stealing. 

I am an XXXX  of XXXX, they are obviously taking the advantage of aging people. Filing bankruptcy on them will be less likely found out since at this age they don't borrow credit for buying things, and already have many credit cards. With their limited life expectancy soon these events will be burry deep forever. 

This is intriguing crime. The Gov need to investigate to keep the peace of the society.

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 2018-05-09
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I upgraded my Gold card to a platinum card by using the offer I received in the mail which was for XXXX reward points. I had a RSVP code of XXXX XXXX XXXX XXXX and a call in code of XXXX. I called in to make the upgrade and was assured that the reward points would be applied. You can imagine my surprise weeks later when the points were still not credited to the account. I called in and opened a case and they have not resolved it after 8+ weeks. They said that they can not find a copy of the letter that they sent me with that offer code. thankfully I have it ( and uploaded it and the name of the rep I spoke with and their extension number ) that links that code to me. This is unacceptable. Clearly a bait and switch. I remember seeing online the promotion for XXXX points if you upgraded as well. It should NEVER take 8 weeks for them to fix their mistake and four calls to supervisors to inquire as to the status and to fix their mistake. 

There are dozens of similar stories online about reward points just magically never getting credited to peoples accounts and the struggle with Amex to get it fixed. Someone needs to hold this company accountable for their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/ I attempted to send {$200.00} to my granddaughter via CashApp. Her account is part of a family account due to her age, and her mother is the owner of the family account. Because of this type of account, my granddaughter is only allowed to receive a certain amount of funds each month. At the time We were unaware until AFTER I attempted to send the funds that shed already received the maximum amount for that month, and that caused an automatic rejection of the funds, by CashApp and an automatic refund which meant the funds should have gone directly back into my account. They did not! My daughter, my granddaughter and myself have all reached out to CashApp to get this resolved so that I could get my money back, numerous times and have not been successful with getting a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2023 from convergent outsourcing inc stating that I owed XXXX {$920.00}. I have never had a XXXX account or used any of their services.

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 2023-05-04
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS.

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-02-05
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XXXX. XXXX, XXXX, I opened an account with GM Financial for a car loan. The payments became past due and I received a notice from a representative that the account was placed for repossession on XX/XX/XXXX. GM Financial violated federal law by repossessing and selling the vehicle associated with this account. GM financial also violated additional federal laws detailed in the attached letter. 

Since that date, GM Financial sold the vehicle. I did not receive the following : Notice of Default and Right of Redemption/Right of Reinstatement ; Notice of Sale GM Financial has violated several of my consumer rights since the inception of this consumer transaction. Right of Rescission Notice was never provided to me and the company used deceptive practices to enter into a consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX 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 non-monetary relief
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: CO
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 loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation