BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
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: Information belongs to someone else

Complaint:
In XXXX - XX/XX/XXXX my credit score dropped significantly due to an individual named " XXXX XXXX '' being added to my Experian Credit Report. I attempted multiple times to contact Experian to correct this problem. I also send Experian two letters detailing the problem. In XXXX I received a letter from XXXX whom I have a consumer credit card indicating that they were dropping my credit limit due to XXXX XXXX being added to my credit file. I then filed a complaint here with the FTC and a week later I received a call from Experian and explained the problem ( asked them to remove XXXX XXXX from my file ). Again in late XX/XX/XXXX ; I asked Experian to fix this problem. Finally, in midXXXX XXXX I did receive e-mails from Experian indicating they had taken action. On XX/XX/XXXX, I received notice from XXXX XXXX that they reduced my credit limit due to Experian erroneous credit file. This morning I received three calls from collection agencies asking to speak to XXXX XXXX. The number the collection agencies are calling is my business line. Dear XXXX please help me by telling Experian to fix this! No one answers the phone when I call the number as the only option available is to order a 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 2023-08-28
Company: Experian Information Solutions Inc.
State: MI
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-04-26
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
Reference : Complaint against, XXXX XXXX for Refund To Whom It May Concern : I am filing a complaint with your office because I am unable to come to a resolution with XXXX XXXX on my full refund of the {$50.00} money order. 

Facts On XX/XX/3022, I notified XXXX XXXX via certified mail that I need a full refund of {$50.00} ( Money order number : XXXX ) and sent in a United States Postal money order in the amount of {$15.00} for processing ( USPS Money Order # XXXX ). 

XXXX XXXX sent me a refund check dated XX/XX/2022 for {$32.00} and deducted {$15.00} for the process and {$3.00} for the check, not being cashed within a year, for a total of {$18.00}. I was unaware of the fee for not cashing the money within a year. Which is not displayed on the back of the money order receipt. 

I contacted XXXX XXXX on Friday, XX/XX/2022, and asked why refund check issues were in the amount of {$32.00} and deducted {$18.00}. I was given the run-around. 

I have been calling XXXX XXXX since XX/XX/2022, XX/XX/2022, XX/XX/2022, and I have placed other phone calls. I was told I would get the {$18.00} back and then changed to {$15.00}. Customer service agents refused to let me talk to a supervisor, claiming they were not available and one would call me back and I never received a call from supervisors. 

I am asking for your office 's help with mediating and helping come up with a resolution. For the refund of one the processing fees. 


Thanks XXXX XXXX Why the money order wasn't cashed within a year. 

The business to which the money was written to, was closed to the public because of XXXX, and a year after sending the money order I was informed the business never received it. The employee was working from home at the time the money order was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Please have XXXX, XXXX, Experian to unlock my credit report. This was not authorized by myself.

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 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos.

Contact the inquirer : MAIL ONLY XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX   ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX  ) XXXX   XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.

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 2023-11-04
Company: Kikoff Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 These companies listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX account showing opened XX/XX/XXXX This account shows closed however this account does not belong to me. Kikoff Lending LLC showing opened XX/XX/ ( Account # : XXXX ) with late payments. I have never been affiliated with this business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 my wife and my self went to 7 days cruise to three different countries starting from XXXX ( XX/XX/2018 through XX/XX/2018 ) when we came back we found out that someone took {$400.00} from our checking account through XXXX XXXX XXXX ATM in XXXX. 
I called Bank Of America and disputed it for the following reasons : 1- We were not in US when this transaction happened. 
2- We didn't use our cards either on ship nor in any of the the 3 countries to avoid any unauthorized use..We only used cash. 
3- We had our cards with and we didn't loss them. 
4-We have't been in XXXX for more than 5 years. 

I called bank of America many many time and wasted hours on the phone with them and they asked me to fax any documents proving that we were not in US in that time, I faxed it twice but they deny and closed our claim saying that the card was presented at the time because the card chip was read!!?

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 monetary relief
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-07-18
Company: Experian Information Solutions Inc.
State: IN
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-05-05
Company: Affirm 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: Problem with personal statement of dispute

Complaint:
I have recieved a late notice on my credit report that is unjustifiable. I have plenty of documentation stating the company owes me a refund ( I would he happy to provide ). I bought a car part from XXXX through affirm. The car part was defective also have documentation of my interactions. I have expected a return for months and now they say, " i am have a late payment '' on my credit score. When I was expecting a return per both companies. Please help the consumer get justice. I last talked to the company today and received an alert on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Personal information incorrect

Complaint:
I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau deletes any ITEMS listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; 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 2021-01-12
Company: JPMORGAN CHASE & CO.
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:
Sent letters to dispute the validity of the XXXX negative account being reported to the credit bureaus on XXXX, XXXX and XXXX. I have not recieved a response from XXXX regarding the dispute letters, which confirms that you did not investigate my dispute. I also have obtained a recent copy of my credit report that proves your failure to report the account as disputed which further proves you did not investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: RI
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:
These were illegally added to my public credit profile on XXXX. 
I've mailed and called numerous times to explain that I had been a victim of identity theft between XXXX. The below list of items were never added by me and respectfully wish these to be removed. 

I filed an FTC complaint as well as an identitytheft.org on the following items. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( NEVER LATE ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XXXX $ XXXX pending transaction cash app says XXXX hasnt settled yet in the cash app ledger accessible on the webpage by downloading the lost theyve got the correct amount of {$190.00} listed there and have had it there since last XXXX. Why wont they take this transaction off pending status??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I got all of my belongings stolen XX/XX/XXXX and my wallet had my social secuity card, drivers lisences, etc. inside of it. Now these people are applying for credit cards from Chase ( XXXX XXXX ), XXXX  XXXX XXXX ( XXXX XXXX ), XXXX  XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX ). All of the companies have either called or sent letters in the mail that I have filed an application for a credit card ( when I have not at all ) it was the people who stole all of my belongings trying to file credit cards under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up a savings account with XXXX XXXX, a part of Webster Bank. 
The bank is virtual only, and does not have a physical location. I had some issues creating a login but eventually, I was able to login. 
After wiring {$200000.00} of my funds into the account, I was locked out. After multiple calls and promises from the bank to allow me access to my funds, they have not done so. 
As a result, my family is suffering financial hardship stemming from being unable to access my funds. 
I need help and I need help fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The problem star coulpe.months ago I losse my job also I was involved in a car accident so I take time to recovery for my injury I still going to theraphy also I am not working in the main time I didn't receive letter for them also when I called they didn't anderstand my situacion about it also I tried to negotiate with them but they didn't andersatand my situation and they told me they will send my information to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: GA
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:
Creditor has illegally reaged date last active my account to XX/XX/XXXX to XX/XX/XXXX on XXXX and 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 2022-04-26
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX & Inquiry from XXXX on XX/XX/2022 has XXXX my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) section states : no con

sumer 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 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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: Account information incorrect

Complaint:
XX/XX/XXXXXXXX Balance Owed : {$0.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry. 

XXXX XXXX XXXX Balance Owed : {$280.00} - I would say the account position that is presently confirming on my credit information has a severely unpleasant impact on my capacity to acquire approval to get a current loan inquiry, I highly recommend you provide verification that this has been documented suitably in accordance with the Fair Credit Reporting Act directives, this is a crucial matter to mis-report. My proper demands have to be examined as soon as possible. If you're unable to confirm this information as being 100 % correct please make sure you remove this instantly. 

XXXX XXXX XXXX Balance Owed : {$83.00} - Your records are revealing conflicting and incorrect information compared to other 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