BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have attempted to withdrawal available US dollars/funds of {$170.00} from Binance.US and advised withdrawals disabled. Also, unable to trade stating trading is also disabled. A ticket was submitted on XX/XX/2021 to Binance describing issue and still no response or resolution to this date of XX/XX/2021. At this point I just want to leave the platform and completely cash out available funds as well as all available crypto. This company has held any trading that could result in greater wealth for myself and very unfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I purchased items from XXXX that were lost in the mail. I notified XXXX immediately who claimed that they contacted the shipper and initiated an investigation, and that they would contact me with a resolution. They never did. I contacted them again and they said they would process a refund but they never did. I told PayPal what was going on under their buyer protection policy, but they resolved the dispute in favor of XXXX. Ive filed numerous appeals but they contend that they will not refund me. They have asked I contact my financial Institution knowing that my item was lost. Unfortunately my XXXX XXXX is saying that when you purchase via PayPal you waive right to dispute because its peer to peer transactions. But I simply made a purchase not sending more to a friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX ) XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Back in XXXX I have filed a dispute with chime Bank Cause there was 22 different transactions made with XXXX. That I have no where of who did it and I did not authorize no transactions to be made. And he called out to be a total of {$870.00} and XXXX onebeen fighting this XXXX. Ever since then. Back in XX/XX/XXXX I had filed a complaint with you guys who guys had contacted them. Just on XX/XX/XXXX, look up lathe complaint was closed because they said that they had issued me my money of {$870.00} that day while they did it. They only gave me {$360.00} and XXXX centso. I'm missing my other half and now fighting. I had Uploaded the letter that they had to gave you sent. You guys and me one stating that they had gave me my money And also I had sent a A copy and email from them regarding that. They grant me the {$360.00}. Nothing about saying that they're the other half of the {$870.00} nothing. And the claim number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi, I have been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, Law states they are supposed to answer me and I feel they are preventing me from my right to know of what is going on with 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 2022-05-17
Company: Atlanticus Services Corporation
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ive tried to dispute this derogatory mark for a " fortiva " credit card from the months of XXXX-XXXX of XXXX, the acct was both opened and closed with an outstanding balance of {$700.00} without my knowledge ; im currently a victim of idenity theft. ive disputed it in XX/XX/XXXX when it became apparent to me that this was affecting my credit. again i disputed it in XX/XX/XXXX and again XX/XX/XXXX. i contacted the company by phone on XX/XX/XXXX and the gentleman was very confused about the acct and why the acct was opened and closed so quickly. for months of XXXX XXXX XX/XX/XXXX ive recieved letters and calls trying to collect debt. some rude some pushy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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: Account status incorrect

Complaint:
I had an account with the Texas XXXX XXXX XXXX XXXX XXXX. My order in the case ended in XX/XX/2021 yet the account still shows to be open. It should be closed. My report showed a late payment in that last month as well which is not correct. 

I have called them and disputed the entry to credit reporting agencies with no luck.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: TN
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:
I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this complaint.

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 2019-02-03
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
NCTUE has failed to send me a copy of file as requested ignoring all attachments which included proof of return receipt and that they received the letter NCTUE is willfully not complying with to the FCRA. It has been 2 months since i first requested my file and in that 2 months i have received nothing from NCTUE. THIS IS MY 3rd COMPLAINT AGAINST THEM FOR NOT SENDING ME MY FILE AND PLACING A REQUESTED FREEZE. I receieved a letetr stating that they were placing a freeze yesterday ( XXXX ) the original request was the beginning of XXXX. Furthermore i still have not received a copy of FULL CONSUMER FILE DISCLOSURE. This is a violation!!!! I have requested this at least 3 times now 2 of which were through CFPB. Where is my full consumer file at NCTUE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up 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 items 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, PA XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX 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 2021-06-02
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
I have major issues with Apple Card Goldman Sachs stemming back to last year in XXXX when I ordered a office chair that was never received. I have called in multiple times explaining id like to dispute the charge because the Vendor for the chair told me to dispute it with my bank. I went into detail on exactly what happened, providing evidence and the correspondence with the Vendor. Goldman Sachs disregarded everything I provided and opened a " Fraud '' dispute which wasn't the case and ultimately siding with the Vendor stating they proved I made the purchase, which could of been avoided if their incompetent reps would of listened and actually opened the proper case. Since then I have called back/Chatted in and reopened the dispute trying to explain what had happened and every single time i am rushed off the phone/chat with the rep telling me " do not worry, it is filed under a did not receive claim '' and every single time im let down because they keep opening a " fraud '' charge. Its crazy as i STILL AM trying to dispute this and no resolve. 

Fast forward to the beginning of this year with XXXX. I had made a purchase and returned the merchandise with a prepaid label provided by XXXX. The package was delievered to their warehouse but XXXX  Customer service states they never got it. I have the tracking number SHOWING it was delievered and signed for at their warehouse, provided all of this evidence to Goldman Sachs and again they opened the WRONG dispute. The dispute they opened was a " fraud, Unknown purchase '' and again sided with the Vendor. I can not believe a huge bank such as Goldman could have such horrible and incompetent employees. Now I am stuck holding the bag so to say and have to pay for TWO charges that I shouldnt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX has violated my rights. 

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

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

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 2018-11-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian was notified about possible identity theft and collection that doesnt belong to me, about a year ago. Police report was filed along with identity theft report. Collection was removed, but came back again a year later. 
Customer service is not available to fix the problem, website is constantly down, phone numbers are providing same recording that doesnt have proper prompts to address the issues. No sources available to fix the access to my credit report, to file the dispute, or access the company representative.

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: EQUIFAX, INC.
State: DE
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I was XXXX  discriminated against because I'm XXXX-XXXX. They made multiple excuses as to why they couldn't cash my check and each one did it make sense first they said they couldn't cash it because of the amount so I clarified that I've cashed checks with them before and they explained to me that the smaller branches like that one have a Max of XXXX if anything above XXXX for XXXX customers you have to go to a larger Branch. The next excuse was that my daughter 's name was outlined on the check, the check was issued to me as her guardian on her behalf for the settlement agreement and documentation that I provided at the date of service. When I asked for the names of the manager and banker I was given attitude and told they couldn't cash it. She also went to get security as if they were in danger of me with XXXX children. This kind of thing can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Law Offices of Robert J. Colclough, III
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to the mishandling of this account.. Debt was paid in full.

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: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to you regarding an ongoing issue I have been experiencing with Cash App. Over the course of the past year, I have had fraudulent charges and unauthorized transactions totaling over {$3000.00} on my account. I have attempted to address this issue with Cash App on multiple occasions, but to no avail. 

I have contacted Cash App through their customer support channels numerous times, and every time I receive the same response of " looking into it. '' I have filed disputes with Cash App, but they have been denied without explanation or resolution. Despite my repeated attempts to get this issue resolved, I have not received any assistance or correction from Cash App. 

In addition to the fraudulent charges, I also had bitcoin sold from my account without my authorization. This has caused me significant XXXX XXXX XXXX XXXX, and I have been left feeling helpless and frustrated by Cash App 's lack of support. 

As a loyal customer of Cash App, I had always trusted that my account and transactions were secure. However, the ongoing issues with fraudulent charges and unauthorized transactions have shattered that trust. I am deeply disappointed with Cash App 's lack of action and communication regarding this matter. 

I urge Cash App to take immediate action to address this issue, provide a resolution to my disputes, and take steps to prevent similar incidents from happening in the future. I believe that Cash App has a responsibility to protect its customers from fraud and to address complaints in a timely and effective manner.I feel others are being taken advantage of and utilizing this company has defrauded. millions of consumers of finances. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation