BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion dropping my credit score for XXXX reason over XXXX points. I pay ALL my accounts on time and my cc usage is Waay under 10 %. Contacted them and they were NO help at all. Rep in XXXX was so unhelpful.

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 2023-04-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I 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 : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-04-21
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had an open and active Cash App Account that was taken over by another individual. Money that was sent to me on this account was deposited into another individuals account. One of the transactions was a payment from my roommate for XX/XX/XXXX rent. I requested from the person ( s ) that had taken over my account, but refused. I immediately contacted Cash App for assistance with this issue, but they did not help. Earlier in the year around XX/XX/XXXX, I discovered that Cash App was involved with the disappearance of large sums of money from my account. I reported to my bank as well about numerous transactions that I did not authorize, they told me that " Since the transactions were completed online under my username and password that I must have given my information put, therefore that couldn't help me ''. I contacted a Detective from our local Police, no assistance, I have even contacted our State Attorney General, no help. I had given up until I read the article in XXXX magazine and although I don't have much hope left, I have to try. The amount of money is over XXXX. I have the emails, I'm attaching. I also have the email address, phone # and address of the individual who fraudulently took over my account. It is : XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. PLEASE, if you can help me I would be grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: GA
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: General Motors Financial Company, 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:
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. GM FINANCIAL XXXXXXXX Balance {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Chime Financial Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023, I called Chime customer service number ( XXXX ) to inform them of my travel to XXXX to be able to use the card while there. After contacting them scammers stole all my funds leaving me with {$2.00}. Chime insists there was no wrong doing and insist I made those transactions. Scammers are really good and make it look like your responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The company just recently purchased the debt from XXXX on XX/XX/2019 and already suing me without notice. I believe they are now trying to sue because I am not allowed to properly dispute due to Corning virus and they have already showed up to my parents house and used scare tactics on them to get info. The debt collector is Calvary portfolio service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF ED/XXXX/XXXX  XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX/XXXX  XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX  XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After ordering a credit report from XXXX. I observed these UNVERIFIABLE items on my personal profile after receiving a copy of my report. I saw many items that are deceptive to me about my credit report. XX/XX/, is the name of the letter I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to validate these items. I mentioned this in my most recent request and I'm hopeful that it would help get rid/ correct of the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX XXXX XXXX {$17000.00}, US DEPT ED XXXX XXXX : {$9100.00}

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
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'm filing my complaint in accordance with the FCRA 's guidelines to ask that the following items, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 from XXXX XXXX XXXX. already put dispute case with Bank of America and email and called merchant before even working with thr bank for dispute chargeback might get reversed. Already have a repayment plan agreemrnt directly with XXXX my student loan server with Department of Education. Was told to notify my bank of scam activity. Which I did open dispute claim.

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 2023-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've informed the credit report companies, XXXX, Equifax, and XXXX, that these aren't accurate, and I've produced the XXXX XXXX XXXX, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX XXXX and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-21
Company: EQUIFAX, INC.
State: MD
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:
After ordering a credit report from XXXX. I observed these UNVERIFIABLE items on my personal profile after receiving a copy of my report. I saw many items that are deceptive to me about my credit report. XXXX XXXX XXXX, is the name of the letter I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to validate these items. I mentioned this in my most recent request and I'm hopeful that it would help get rid/ correct of the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX XXXX XXXX {$17000.00}, US DEPT ED XXXX XXXX : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2020-04-15
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened my Uber Visa from Barclays on XXXX XXXX. The card offered a {$50.00} credit toward a streaming service if {$5000.00} was charged to a card in a membership year. I joined XXXX XXXX, which is a qualifying service. 

Barclays has responded that the credit should be issued, but the spend was not completed during the anniversary year, which is not accurate. I completed my spend in the anniversary year. 
" This benefit was discontinued when your credit card was converted to the Uber Credit Card on XX/XX/XXXX as described in the communications you received. At the time of your conversion, we allowed your account to complete the full 12 month anniversary year to ensure your benefit was not discontinued mid-anniversary year. However, once your anniversary year ended, the benefit was not renewed. ''

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 2020-04-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The details of my AMEX gift card no. XXXX XXXX XXXX and no. XXXX XXXX XXXX were stolen on XX/XX/2020. I have known these when I checked the balance with AMEX on XX/XX/2020. The AMEX representative who received my phone call on that date told me that there were transactions made on XX/XX/2020 ( the same day I reported the unauthorized transactions ). I immediately requested AMEX for the deactivation of these cards which the representative did and replacement cards were processed and issued. I also alerted the merchant, XXXX XXXX, on the same day ( XX/XX/2020 ) of the unauthorized transactions and the agent on the phone told me that they will cancel the said transactions. I informed AMEX on the same day, what the merchant told me and the AMEX agent told me that it will take 7-10 business days ( by XX/XX/2020 ) to process all these. 

I called the merchant, XXXX XXXX on XX/XX/2020 to follow-up. The agent told me that they have already canceled the unauthorized transactions and gave me the authorization numbers for the said cancellation as shown in Attachment 1 hereof. They told me to call back AMEX to follow up. 

I called AMEX on XX/XX/2020 to follow-up my refund. They told me that they can not process the refund because the cards were already charged on XX/XX/XXXX and XXXX, 2020. This despite their action on deactivating the cards on XX/XX/2020. This is the reason why I am filing this complaint. I believe AMEX should fix my refund because they allowed the charges despite the deactivation alert right from the very beginning, on XX/XX/2020 yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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