BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
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:
My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX  XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$610.00}

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 2023-10-18
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting 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:
The following companies reported these hard inquiries to my equifax credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-09
Company: American Credit Acceptance, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There's a late payment that has been reported by American Credit Acceptance in XX/XX/2018 I haven't been 30 days late in over 2 years they said they were going to take care of it they have not. I have submitted several disputes to have it removed the credit bureaus denied it I have submitted my payment history to the credit bureaus and they still denied my claim. I don ; t think American Credit Acceptance tried to take care of this. They ruin people 's credit and think it's ok.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion, XXXX, and XXXX continue to report inaccurate information. The below account has not been properly validated or verified. 

DEPTEDXXXX Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX Payment Status : Unknown Wage Earner Plan Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-25
Company: The Barton Law Group, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been attempting to get a refund from The Barton Law Group for an overpaid garnishment. The debt collector was paid in full by payroll deductions in the amount of {$1000.00}. The original judgement was issued on XX/XX/XXXX. The first payment of XXXX was deducted from my pay on XXXXThe final payment was made on XX/XX/XXXX in the amount of XXXX. The creditor submitted another judgment for XXXX more payment on XX/XX/XXXX. The amount of the judgment was {$150.00} and was deducted from my pay. I have called The Barton Law Group for a resolution several times. On XX/XX/XXXX, my employer obtained a copy of the check, from XXXX, that was deposited into The Barton Law Group 's bank account. My employer, also, sent a copy of the check to XXXX at The Barton Law Group on XX/XX/XXXX by email. I have been told by representatives at the The Barton Law Group that they need to submit the information to their finance department because my informationwas not on the check. However, they still deposited the check. I'm still waiting on the refund or a follow-up from the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 i went to the Chase bank atm located in XXXX, pa at XXXX XXXX XXXX XXXX XXXX. Inside a shopping plaza to make a ATM cash deposit. I inserted {$800.00} into the machine and it started making a lot noises. Then told me to take my money but it was no way to grab the money because of how it had a hold of the money with clamps over it. So after a min the machine then just took the money. i go to this same atm often to make deposits but this time the ATM ended up taking my money without depositing anything into my account. No receipt came out and on the screen it told me to call a number to make sure my money got deposited. I called the number they were able to deposit the money within a couple of hours while they investigate. Today XX/XX/XXXX i got a reversal for {$430.00}. I called and they are saying after they investigated i only deposited {$360.00} which is not true at all. I indeed deposited {$800.00} i didnt even insert any {$1.00} bills at all. It was all {$50.00} bills and {$20.00} bills. Please i need help this is my hard earned money that they took.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did a wire transfer for the amount of XXXX XXXX XXXX dollars on XXXX XXXXXXXX  from my banking on line from my account at Bank of America to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX and the money never got to the companies account. I have been talking to XXXX and XXXX XXXX the manager at BofA in XXXX Texas XXXX but they keep telling me that they are not responsible for this money. This transfer from my account to that company is not the first time i have done it and never had a problem. the last time i did a wire transfer to the same account it was in XXXX of this same year two months before with out a problem.

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 2023-10-18
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I didn't authorize a XXXX  card service. It charge for {$1200.00} and was opened on XX/XX/2018 I didn't authorize. Remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 am writing to address the unresolved issue concerning unauthorized hard inquiries that persist on my credit report. Despite my initial dispute via mail, I find it disconcerting that I have yet to receive any form of acknowledgment or communication confirming the removal of these unwarranted inquiries from my credit profile. 
-- -- -XXXX  XXXX -- - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- XXXX - XXXX  - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 requested that the inquiries be immediately deleted, I did not authorize any of the companies to run my 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 explanation
Consumer complaint received 2020-08-11
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:
My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} CXXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}

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 2022-04-02
Company: Experian Information Solutions Inc.
State: VA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2023-08-02
Company: CL Holdings LLC
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:
There was a charge of {$430.00} that came onto my credit report from Jefferson Capital Systems. My social security was compromised and someone made an account and charged that amount to XXXX which is a buy now, pay later company. I was not able to see this on my credit report until very recently when I got an alert from XXXXXXXX XXXX My payments are always made on time so this was shocking for me. I have spoken and worked with XXXX - XXXX XXXX - Restoration Specialist to resolve this matter. We have called Jefferson Capital Systems to report fraud/identity theft. My case number with XXXX XXXX XXXX XXXX is # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I was checking my emails. I noticed I was receiving an email from my identity alert subscription, informing me that I was in collection. I contacted them ( collection agency ) Helvey and Associates ( XXXX ). They informed me it was over an electric bill from XXXX XXXX, in the amount of {$190.00}, from XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX Ohio. I sold that house in XXXX. They said, they were attempting to contact me, but they were sending it to XXXX XXXX, which was the house I sold. They did not send me a DEBT VALIDATION LETTER. I watched my credit rating go from XXXX to XXXX. A drop of XXXX points. This needs to be addressed ASAP. I think both XXXX XXXX ( XXXX XXXX ) and Helvey and associates ( collection agency ) ( XXXX ) should be reprimanded to the fullest extent allowed. I don't understand how an agency can just attack someone's credit score for no reason or proof of any wrong doing. I will be happy to provide any and all information needed, that may help prevent these people from attacking other people, with no evidence or reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Complaint against : XXXX, TransUnion and XXXX. 
In XX/XX/XXXX, my mortgage company, XXXX XXXX XXXX , XXXX, erroneously reported to the three main credit reporting agencies that my XX/XX/XXXX mortgage payment was 30 days late. 
XX/XX/XXXX, XXXX XXXX XXXX, XXXX, acknowledged the error and sent a notice of correction stating the XX/XX/XXXX mortgage payment was made on time and was not 30 days late, AUD XXXX. ( attached ) All three agencies updated and removed the inaccurate information in XX/XX/XXXX.

In XX/XX/XXXX all three credit reporting agencies once again began reporting the incorrect 30 day late mortgage payment for XX/XX/XXXX. I disputed again and contacted XXXX, again in XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX was very helpful and acted immediately, they filed a second correction AUD XXXX on XX/XX/XXXX. ( attached ) and sent the second AUD. 
All 3 credit reporting Agencies : XXXX, TransUnion and XXXX   sent me notice on XX/XX/XXXX that my dispute investigation was completed and the 30 day late report was found to be accurate and would remain on my credit report. This was incomprehensible to me considering XXXX confirmed the 30 day late report was incorrect. 
I contacted XXXX again and XXXX filed a third correction stating my mortgage payment was NOT late for XX/XX/XXXX that my payment was received on time. On XX/XX/XXXX XXXX sent XXXX XXXX to all 3 credit reporting agencies. 
I attempted to dispute this error for the third time with XXXX, TransUnion and XXXX on XX/XX/XXXX. Today XX/XX/XXXX all three credit reporting agencies refused to open another dispute or correct the error.

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 2023-10-18
Company: EQUIFAX, INC.
State: KS
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:
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, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My friend XXXX sent me {$400.00} through CashApp on XX/XX/20. He was supposed to send me the money through XXXX by he thought I had CashApp Account. I don't recall when I opened my cashapp account but I downloaded the app again and the money was there. I tried to transfer the money to my XXXX XXXX Account but there was an error and I couldn't do that. I lost my phone a couple of weeks ago and I had to download the app again. Since then I have been trying to access my account and it doesn't allow me to. I contacted CashApp through emails and they requested me my personal information to allow me to access my account. I have informed my address, email, phone number and debit card numbers ( I had to go to the bank to get all the debit cards I had to see if the info would match ). But they keep telling that information is invalid and NOTHING can be done. I asked if they need my documents to prove that's me or maybe send the money back to my friend XXXX but they said NO. Please help me to get this money back. I really need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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