BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have acct with XXXX  XXXX XXXX XXXX ending in XXXX. the compliant was resolved via cfpb complaint with XXXX XXXX XXXXXXXX XXXX stated on letter that acct charge off, balance due and late payments will be removed from this acct. I sent all this info to transunion from original creditor and thru refuse to correct the acct. I have talked to 3 managers and they stated that the correction would have to come from the original creditor. I have sent info from original creditor that they have received certified mail 3 times and they still refuse to correct the issue on this acct.

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 2022-02-26
Company: Experian Information Solutions Inc.
State: NY
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:
" XXXX '' card has been reporting to my credit report for XXXX and Experian since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through Experian. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.

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 2023-08-08
Company: GOLDMAN SACHS BANK USA
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:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: NCC Business Services, Inc.
State: MN
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:
I was involved with identity theft and sent my FTC report and police report to the credit bureaus and nothing has been resolve. XXXX XXXX XXXX is saying i owe {$4200.00} and i never lived in Texas nor had a Texas identification. Identity theft is something serious and I feel that the credit bureau did not take care of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I originally established an account with Home Depot for the amount of XXXX dollars. I reported that my card was stolen and I would pay the interest or whatever fees are needed until the matter is settled. My card was taken XX/XX/30 2019. 

The problem I have is I have not been able to receive an honest response when I speak with Home Depot and Citi Bank I guess holds the account. The both of them seem to have a different understanding and give me the run around as I'm paying on this account. 

XXXX XXXX XXXX XXXX Account Number

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 2022-02-08
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an unsolicited Cash App card in the mail stating I should activate the card. There is an account number, CVV number and expiration date. Each time I attempt to contact the customer service number, XXXX, I receive a message there is high call volume and no one is able to answer. I want to cancel this account and am now going to resort to sending a letter to Cash App in XXXX XXXX, CA asking them to close the account due to fraud. 
I reached out to Square as they are the parent company and I was told I must contact Cash App directly, which so far has been impossible. 
Via an internet search, I see this is an ongoing problem which they ( Cash App ) should be forced to fix, especially for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called the branch manager to speak with her about the collections department and she was very rude. I hung up on her and she continued to call me 13 times from XXXX to XXXX and I have the calls logs. This is plan harassments and needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: PACIFIC WESTERN BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}. 

XXXX has given me proof of payment, but the merchant bank claims that does not prove they received it. 

Amount : {$570.00} My bank : XXXX Merchant bank : Pacific Western Bank Date sent : XX/XX/2021 HOA : XXXX  at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over 8 year old. XXXX closed they business in XXXX  and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.

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 2023-09-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent a letter in regard to unknown and inaccurate items on my credit report. I have yet to receive a response and it has been well over 30 days. I cant help but to feel done wrong because my attempts of reaching out to dispute these items are being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been well over 30 days since I have sent in my dispute with no response. I demand that these accounts be deleted immediately, or I will be forced to file for litigation due to the disruption of my everyday living caused by the companies involved. My information was affected by the Equifax data breach and could have been used by a random person with ill intentions. They are violation my consumer rights via Inaccurate Information 15USC 1681 ( B ), 15USC 1692 ( g ) ( a ) ( a ) Notice of debt ; contents, In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights under 15 USC 1681 sec 602 states I have a right to privacy. 15 USC 1681 Sec 604 ( A ) Sec ( 2 ) it also states a consumer reporting agency can not furnish my accounts without my written instructions. 15 USC 1666 ( B ) a creditor my not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 15USC 1602 ( J ) ( K ) ( J ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. Attachments : Letter to Equifax and my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
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:
I was divorced on XX/XX/2019. 

My ex spouse 's credit card debt is inaccurately appearing in my credit report and damaging my score currently. I was an authorized user during the marriage and I have been removed from those credit Cards for XXXX XXXX XXXX, XXXX and XXXX for over $ XXXX in debt to himself. 

This information is now fraud as this point and I want the credit bureaus to remove this immediately. I have contacted them and they have told me to submit additional information which is a stall tactic it help address the issue now. 

I will seek damages for FCRA on the state and federal level if I do not get this remedy. 

I can provide the Divorce Decree stating separation of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made an international wire transfer of {$9900.00} to Coinbase, but was noticed that the wire was reversed on XX/XX/2017 because the account name didn't match. I still don't receive the money in the bank now. I have contacted Coinbase by email, but no reply for more than a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
Have tried multiple times to reconcile issue with Equifax without success. Every agent states that additional information is required to remove fraudulent inquiry. Ive been given an incorrect fax number on two occasions. Finally presented an FTC complain exactly worded and containing the information they required to XXXX. They acknowledge receipt of the fax on XXXX XX/XX/2022 but the new excuse is that they can not read the FTC complaint number or date on the fax. The FTC complaint was downloaded and faxed electronically. The complaint number XXXX and date are clearly legible. This fraud occurred XX/XX/XXXX and it makes no sense that a victim of identity theft cant resolve fraudulent inquiries with a credit reporting agency in more than 6 months. Ive also contacted the bank and have been assured that they submitted the appropriate paperwork to have the inquiry removed. 
At this point, they are willfully violating a consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: LA
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 is a paid account and is old. This account shouldn't be reporting on my credit as it is XXXX XXXX XXXX. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MD
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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:
Reached out to XXXX  for alleged debt through XXXX explained that this alleged that was not mine at all, and that I need to have verification of alleged it. If Im being demanded to pay a representative explained to me that that will be noted in the system, and that theres no need to validate a debt if you claim that is not yours. And never heard of an update of my dispute. Still, this company is reporting on my credit monthly

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 2022-08-06
Company: Netspend Corporation
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX XXXX  {$89.00}, XX/XX/XXXX XXXX  XXXX {$77.00}, XX/XX/XXXX XXXX {$88.00}. These were the four fraudulent transactions on my account. I called twice to file a claim because I had to wait for everything to clear. After filing a dispute as well, they claim to ensure I get my money back and even an advance until they find if it's actually fraudulent or not ( which never happened ). I kept in close contact with them weekly and sometimes twice a week checking up on my money and where it's at. Mind you I do not have a vehicle at the moment its being fixed. Two of the transactions happened in Alabama. I live in Ohio. On XXXX I found out there was a third claim on a bunch of other items I did not claim were fraud, but was told since there was a claim I had to write another email to their dispute documents email otherwise all the claims WILL be denied, so I did. XXXX I contacted them to find there was a third claim made on the four items I know were fraudulent and they told me it had been closed and I won't see any of the {$360.00} and change. I got upset and told them I wasn't happy with their service and had been a loyal customer for over 7 years and this is the first time it has ever happened. I felt I had proved my case since I live in the XXXX, Ohio area and spend money the same day these 4 transactions showed up pending XX/XX/XXXX, 2 transactions were in Alabama, the other two hours away from me in Ohio. Told them once again my vehicle has been getting worked on for months, that's why I've been using XXXX and XXXX daily to get to work. They sent me to the system main menu on the phone multiple times. Yesterday XXXX I got a text message saying I need to call about my account, something was wrong. After calling and over two and a half hours on the phone, I find my account was closed by them for suspicious fraudulent activity, and because of this I WILL not be getting any further help from them on my claim. I had over {$390.00} left in that account and now am afraid they will find a way to keep that too. They claimed they already processed my check and I should get it in 10 business days, but they also said that about crediting my account for the money fraudulently taken, that I felt I proven by looking up each place via account transaction and looking up how many miles they are from me. All four done the same day I spent money here in XXXX, Ohio.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
transunion XXXXXXXX XXXX are all selling, trading, to third parties agencies without my permission 15 US 6802

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 2023-09-19
Company: Experian Information Solutions Inc.
State: MA
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:
Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.

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