BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile and are still appeared. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent inaccurate address and inquiry that are needs to be remove : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX date of inquiry XX/XX/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 2022-03-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am XXXX  Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law

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 2023-03-09
Company: EQUIFAX, 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:
This is my 1st 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Company: EQUIFAX, INC.
State: TX
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 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 XXXXXXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX experian and XXXX AND FICO CORPORATION REFUSE TO ADJUST ANY OF MY CREDIT SCORES AND ARTIFICAILY, AND WITH MALICE, DROPPPED MY CREDIT SCORES AT FICO EARLIER THIS YEAR AND ARE KEEPING THEM ARTIFICALLY LOW DESPITE OVER A YEAR OF ON TIME MORTGAGE PAYMENTS, 4 YEARS OF ON TIME CREDIT CARD PAYMENTS, AND NO OTHER LINES OF CREDIT OR PROBLEMS ON MY CREDIT REPORT!! MY SCORES ARE LOWER THAN THEY EVER HAVE BEEN DESPITE YEARS OF ONTIME PAYMENTS AND NO DEBT!! THIS IS XXXX, DISCRIMINATORY, AND DISCRIMNATES AGAINST XXXXXXXX XXXX XXXXXXXX PEOPLE, AND XXXX PEOPLE LIKE ME!! 
FICO, AND THE THREE CREDIT BUREAUS ARE DOING THIS INTENTIONALLY, LIE TO THE PUBLIC, DISGUISE THEIR SCORING MODELS, REFUSE TO CREDIT YEARS OF ON TIME PAYMENTS AND DESTROY PEOPLES LIVES!! INVESTIGATE AND PROSECUTE XXXX, EXPERIAN AND XXXX AND THE FICO CORPORATION FOR THEIR FRAUD AND ABUSE OF THE CONSUMER!! STOP DAMAGING MY ABILITY TO PUT A ROOF OVER MY HEAD WITH YOUR ARTIFICALLY LOW XXXX DISCRIMINATORY CREDIT SCORING MODELS!! YOU DO NOT KNOW HOW MUCH INCOME I HAVE AND ARE ARTIFICALLY KEEPING MY CREDIT SCORE EXTREMELY LOW FOR NO REASON YOU DISCRIMINATORY XXXX CORPORTATIONS!!

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 2023-08-18
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 po box XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} FST PREMIER XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Block, Inc.
State: MD
Product: Credit 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:
Afterpay is a well know Buy now Pay later website.

Afterpay is a very dishonest company who takes advantage of their customers and advance of Afterpay being a digital company.

Afterpay had wrongfully charged me on XX/XX/XXXX for an item I never received. 

I wanted to buy an XXXX car seat organizer ( in attachments below ) on XX/XX/2023. To do so I wanted to use Afterpay buy now pay later option, upon making a small payment ( in attachments ) to Afterpay, Afterpay will then give you a Single Use card to use at checkout but upon using the card Afterpay had provided me Ending in XXXX ( in attachments below ) XXXX had declined the Afterpay card I was assigned and asked me to update my billing, to confirm the purchase for my item. I tried again using the same XXXX card ending in XXXX and again XXXX had declined it. 

I thought that was strange so instead of keep trying over again or using my personal card to make the purchase. I had decided to cancel the XXXX purchase in entirely. 

Upon cancellation of my purchase I had notified Afterpay of the problem and waited for a refund it was upon looking at my bank statements after 7 days. That I noticed no refund had been sent to me. I then went to check my Afterpay account and noticed to my surprise Afterpay were still charging me for the item. After reaching out to Afterpay about why Im still being charged even after notifying them.

Afterpay had said the merchant did not give a full refund back which is why I still owed money to them. Afterpay had suggested I talk to the merchant. After speaking to the merchant ( the merchant who was XXXX ) had said You haven't been charged for it, with the card ends with XXXX and I asked XXXX to send that to me in written ( in attachments ) so I may show Afterpay. After sending the documents to Afterpay that XXXX had sent to me in written. 
Afterpay comes back and says the same thing over the merchant did not give them a full refund after reading these same words again I asked Afterpay for a full billing breakdown that shows all money going in and out of my account so I may see. It has now been 2 months and after contacting them over a dozen times now I still have not received a refund or a billing breakdown of my account.

Afterpay is a very dishonest company so consumers be aware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT I C SYSTEM To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.

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 2023-08-18
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
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 has violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681. XXXX  XXXX # XXXX, XXXX  # XXXX, 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-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 2021-05-12
Company: XOOM CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
A transaction to transfer {$200.00} to a recipient in XXXX was initiated by me on XX/XX/XXXX using my Xoom account. This money was to be deposited in the recipient 's bank account which I thought was a more secure process than a cash delivery The recipient didn't receive the money his bank account on XX/XX/XXXX as promised by Xoom based on the transaction fee that I was charged. I followed up by calling Xoom and was told the transaction has gone thru '. I also tried checking the transaction details online by signing into my account to make sure all the details were accurate. However, the recipient information was only partially available at this point. I could only see the name and the residential address but no bank details. 
I called again and also emailed Xoom cutomer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Xoom continues to say the transaction has been completed but the recipients has not received the money till date. Xoom has failed to share the bank statement. Also everytime I call I have to start explaining the issue all over again. There are no notes added or collected when each call is made. Every call is over 45 minutes with NO RESOLUTION!! 

I would like to know what happened to {$200.00} and the fee I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  ) account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : Also states a consumer reporting agency can not furnish An account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: OH
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 credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX Balance : {$22000.00}

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 explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: FL
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 with, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions and I would like a copy of original with my signature

Company response to consumer: Closed with explanation