BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Date Opened XX/XX/2022 Balance : {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX  to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2021-10-28
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a phone bill owed by a dry cleaning store that is now out of business. This was never a personal account. I have noticed XXXX on three separate occasions and they refuse to do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: U.S. BANCORP
State: CO
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 received an email from XXXX XXXX that there was a new hard inquiry on my credit report. The hard inquiry was on XX/XX/22 from a company named Elan Financi. I do not recognize and have not made any credit inquiries in almost a year. When I XXXX elan financi it does not come up with any website or number to call and receive support.

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 2022-09-12
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a payment electronically of {$75000.00} through my checking account. 
It was received by Caliber Home Loans on XX/XX/22. 
Instead of applying the XXXX mortgage payment of {$1700.00}, they applied 3 months of mortgage payments and the remainder in a " suspense account '' instead of applying to our principle. 
When I called on XX/XX/22 & spoke to XXXX in the resolution dept., she said this was to be corrected by then end of the week. Instead they then applied {$9900.00} and to the next 5 months mortgage and the rest is somewhere in limbo! 
I called again on XX/XX/22 and spoke to XXXX, again this rep said it was to be corrected immediately, one month mortgage payment and {$73000.00} towards principle. 

Again this morning I sign on, and nothing has been corrected. 
Isn't this a misappropriation of funds!?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: TN
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:
Consumer Credit Reporting ( Experian ) havent been given me credit to my Credit Score! All my accounts has been reporting great standard. They have been keeping my score at stand still or sometimes decrease for no apparent reasoning! They drop my Credit Score XXXX points for no reason. I called Experian & told me to call XXXX Score Reporting about my XXXX point decrease. So I called XXXX Score Reporting and they told me to talk to Experian. So neither one could give me the reasoning for Credit Score deceasing when all my accounts are reporting great standing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-10-28
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:
THE INFORMATION ON MY CREDIT REPORT IS NOT CORRECT. I DONT UNDERSTAND WHY YOU PUT THIS INFORMATION ON MY ACCOUNT. I DIDNT APPLY FOR ANYTHING. I BELIEVE SOMEONE USED MY PERSONAT INFORMATION

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 2023-12-13
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was told that the last payment on this account was made on XX/XX/. It has now been over 7 years and they are reporting on my credit. When asked what my XXXX date was they refused to answer the question. When i asked for a manager i was left on hold for 30 mins and then hung up on. This account is falsely on my credit report ad nor do i admit ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized. 

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer.

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 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 2023-08-04
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Lexington Law charged my Bank Account excessive fees.My credit was never repaired and I was very dissatisfied with Lexington Law services and I requested my total Refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights ot privacy and confidentiality under 15 USC 1681. 
1. XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States Ihave the right ot privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

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

Delete this account immediately, unless you want to be held {$1000.00} per violation 4.XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

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

Please delete late payments immediately, unless you want to be held {$1000.00} per violation

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 2023-08-04
Company: CITIBANK, N.A.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-12-13
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: Personal information incorrect

Complaint:
I have not applied for auto loans from these companies and would like to get a wet signature of whomever did. I would like this removed as well as my incorrect name and address on my personal 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 2023-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to express my concern regarding the reporting of XXXX late payments of my ( XXXX XXXX XXXX XXXX XXXX XXXX ) on my consumer credit report by Experian. Upon reviewing my credit history, I have identified inaccuracies in the reporting of late payments, and I believe this may be in violation of the Fair Credit Reporting Act ( FCRA ). I have previously disputed this information with the credit reporting agency on XX/XX/2023 without satisfactory resolution.

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 2023-01-05
Company: Experian Information Solutions 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:
someone used my personal information to open fraud accounts

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 2023-01-05
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:
someone used my personal information to open fraud accounts

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-06-03
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
M. G. CREDIT XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX Dear Sir/Ma'am I am writing in hopes of your agency sending me all required information about this debt your agency has placed on my Consumer Reports. I requested this information previously and never received it. PLEASE SEND ME : Who is the Creditor, Original Contract, the ASSIGNMENT CONTRACT between M.G. Credit and the Creditor, Proof of State License to collect, Line by Line accounting of original account, ( NOT COLLECTION AGENCY ACCOUNT ), Date of Last Activity, Date of First Delinquency, Proof debt owed is within Statue of Limitation for Florida. I dispute this debt or any portion of this debt. I am requesting validation/verification of this debt. If you think I owe you this debt please send me this information in writing. I am looking for accuracy, completeness, and correctness. Please do not call my cell phone. Thanks for your response in advance. XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX AUD- PLEASE PROVIDE ENSURING ROUTED TO PROPER CRA WITH PROPER DATA WHAT IS YOUR JURISDICTION OF THE CLAIMS YOU REPORT-PLEASE PROVIDE MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW. 

I HAVE NO IDEA WHO YOU ARE. I NEVER HAD ANY CONTRACT/ASSIGNMENT WITH YOUR COMPANY. HOW DID YOUR COMPANY RECEIVE ANY OF MY INFORMATION? 

Proof all rights are transferable 1692. Congressional findings and declaration of purpose 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692e. False or misleading representations 1692f. Unfair practices 1692j. Furnishing certain deceptive forms 1692k. Civil liability 1692g. Validation of debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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:
THE INFORMATION ON MY CREDIT REPORT IS NOT CORRECT. I DONT UNDERSTAND WHY YOU PUT THIS INFORMATION ON MY ACCOUNT. I DIDNT APPLY FOR ANYTHING. I BELIEVE SOMEONE USED MY PERSONAT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is from the CashApp app. I sent money from my account $ XXXX to the wrong recipient on Friday, XX/XX/XXXX in the amount of XXXX. Immediately, I requested a refund and a day later got a message from CashApp support that the refund was declined. Subsequent, I was told to request the money directly from the recipient XXXX XXXX but the system is not allowing me to do so. I have asked numerous times for assistance from Cashapp support to request these funds on my behalf to be returned. I have not been successful after 8 back and forth emails regarding this issue. There is not a phone number, so unable to speak to anyone. 

I am a cybersecurity professional and there should be other controls put in place to protect against money sent in error. I have been using CashApp for years and this is the first time this has occurred. I was told I had so many hours to request the refund, but there is only an email contact. I sent email immediately after the correct recipient advised that they did not receive it. 

I am disappointed with the lack of assistance or remedy provided in this case.

Company response to consumer: Closed with explanation