BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, 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 2023-04-03
Company: EQUIFAX, INC.
State: NJ
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 recently viewed my credit report and noticed suspicious accounts on it. The account is not mine and I am being negatively impacted by the derogatory accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I am really tired of filing complaints against Equifax. This time I am getting robbed by Equifax. They keep locking me out of my account but they are charging my debit card monthly. This company will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I can not get my account unlocked. I tried to cancel my service and they said NO. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
There is an account on my credit report that does not belong to me I have ID theft, I have written several letters to the collection agency and the bureaus and they have not removed this 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 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity Theft. I did not Authorize these 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 explanation
Consumer complaint received 2018-12-05
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XX/XX/2018 we received a statement from XXXX/American Express Indicating a fee of {$95.00} for the following year. My wife asked to cancel the card and they said only the primary card holder ( me ) can cancel. She asked how long do we have and they said up to the closing date. I called on XX/XX/XXXX and asked to cancel and they closed it and since I had a credit due I don't have to pay anything. I few weeks latter I received another statement saying I owed approx {$83.00} ( {$95.00} less credit ). I called American Express and the agent told me it takes a few weeks for it to be processed. I called back a few more times with the same response. In early XX/XX/XXXX I called and the agent discussed it with her supervisor and said there is a problem and he resolved it. On XX/XX/XXXX I  received another late notice and called American Express again. After long delay the agent said she spoke to the supervisor and he will call me within 24 hours to finalize the process. XX/XX/XXXX, after not hearing from them I called again. This time she said the supervisor called on XX/XX/XXXX and was transferred to voice mail and could not leave a message. My online records show no calls for that day that were unanswered The agent could not contact the supervisor but said he will soon call me back. I verified the number with her. I have yet to receive a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-12-05
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Status : Closed This account is too old to remain on file. I requested the bureau remove it- they refurse and will not let me submit another request to have it removed.

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 2023-01-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposit a check from a payment from a customer on my account on usbank. Once the check was clear I use the balance to buy materials for the project Im working for the guy whos giving me the check. 15-20 days later the guy put a stop payment on the check and the bank charge me for the balance of the check. Im talking with the bank to see whats the problem why they charge the amount of the check and they dont explain me clear. 1 month later they close the account with a negative balance and not Im not able to open a new bank account.

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 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that my credit report is reflecting late payments on two accounts from America Express. These items are inaccurate because one account is paid in full, and the other account is in good standing. See enclosed documentation. AMERICAN EXPRESS : # XXXX ( account is current ) AMERICAN EXPRESS : # XXXX ( paid in full ) I notified the business on XX/XX/2018, requesting the removal of erroneous information from all three credit bureaus. Additionally, I asked for a written statement of their verification process. I received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: IL
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 have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns have been calling my number minimum 7 times per day. I have told them in the past 2 calls are fine but this is excessive. I feel I am being harassed and pressured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX Please remove it from 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 2020-10-28
Company: EQUIFAX, INC.
State: CT
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've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase is reporting a mortgage as owing when their own release shows it is not ( see enclosed ). Chase is reporting the item as delinquent and still owing in a malicious attempt to ruin my credit ... 

CHASE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Personal information incorrect

Complaint:
Equifax continues to report a mailing address that does not and has not ever belonged to me nor have I ever resided or received mail at that address. Equifax has sent mail correspondence alleging to have deleted the erroneous address yet, when I check my Equifax consumer report the address is still listed ( see document titled " XXXX XXXX - Equifax Address Dispute Results - XXXX XXXX '' ). I have provided my proof of identity to Equifax on several occasions as well which clearly shows my current address. My North Carolina Driver 's License displays my current and only address since moving to XXXX, North Carolina in XX/XX/2010 ( see document titled " XXXX XXXX - Proof of Identity '' ). I have also included a screen capture of the personal information section in the Equifax Online dispute portal ( see document titled " XXXX XXXX - Equifax Dispute Screen Capture '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I traded my car the new company that was supposed to pay off the old loan did not pay accordingly so now it shows late payments on my credit reports which in fact are not my fault I asked for them to be removed multiple times from the company and Credit bureaus with no success also I wrote to the credit bureaus about removals of unauthorized inquiries without success these problems are hindering me from accomplishing my goals

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 2020-09-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im a victim of

identity theft and I dont recognize one or more of the accounts on my report. I have notified this creditor of the inaccuracy and they have not ceased reporting this information. CONVERGENT OUTSOURCING, INC. has account
s assigned under my name on XX/XX/2020 and XX/XX/2020. Before this occurred, a fraud alert was placed on my accounts by all three credit bureaus. I have since been unable to stop the collection agency from reporting this misinformation to the credit bureaus and harshly affecting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid 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:
My complaint is regarding a recent dispute with my XXXX credit card with Barclay 's bank account ending XXXX the case number they provided me is XXXX purchase dated XX/XX/XXXX merchant XXXX XXXX dispute amount {$190.00} my complaint first off is i ain't Happy with how my dispute was handled the card company is going in the favor of the merchant because of them providing a tracking number that the item was recived how ever i never said the item was not received my disputed was for a different reason the item was damaged and was not new has described and i noted too the dispute represented on the phone that i did try too reach out too the seller and the seller was not responding back i understand the seller can contested this dispute how ever when this XXXX   tv was purchased from this seller on XXXX over the internet i never saw the merchandise intill it was delivered this seller has had many complaints from other customers of not receiveing merchandise or them sending items that are not working and not has described maybe XXXX or XXXX let fraudsters on there site but my credit card company is supposed to be there to protect my account information and when a purchase is made using my card online and if a seller is trying too committed possible fraud or not following through with services that are promise they need to take that serious the reason why i was not able too return item is the seller choosing too not respond too my messages and the thirty days too return the item of what was stated in there ad on XXXX  can't be done now all returns have too go threw XXXX and with the merchant not working with me in the first place and XXXX won't let the item be returned and me serious suspect potential fraud by the merchant and concerned whether my account information is truly protected against potential fraud when making purchases over the web or when a merchant on a site like XXXX or XXXX is there ripping people off i note this purchase was made on eBay but my credit card was process by XXXX but Barclay 's bank needs too handled this dispute seriously with it being made online and seriously listen too customers and this dispute needs too be resolved the right way

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 2018-12-05
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Hi okay so I purchased some stereo speakers from a stereo store in XXXX XXXX and well was told that I was approved for XXXX $ in credit I thought I was getting credit from them but instead I actually received credit from a bank called AMERICAN FIRST FINANCE and well they had told that my credit had nothing to do with it they just needed a pay stub and that there was automatic payments taken out every time I get paid and I was never really shown a contract or anything I just remember signing a electronic signature on there computer but it was just to verify my info no contract whatsoever so now Ive paid over 1k dollars and I called the finance place to check my balance and they tell me that my balance is over 1.4k Dollars and as they told me they were saying that I had 3 months to pay it off and or else I would be charged XXXX $ per day and Im XXXX yrs old and I help pay my family bills and Im just working part time job and Im paying literally XXXX $ a month just instetest for some XXXX $ speakers so my point is that the store never mentioned any of this if they would have I would have paid it off by 3 months or never got the loan this is a scam there signs dont say anything of having to pay all this money and well I wasnt explained the contract so can u please help me resolve this and the company American first finance very rude they dont understand my financial situation not like any other bank they would do anything to take money out of my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation