BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: AL
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 am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts I have made to rectify late open accounts associated with my financial profile. The persistence of these inaccuracies is causing significant inconvenience and distress. 

The late open accounts that have been inaccurately associated with my financial history are adversely affecting my creditworthiness and overall financial well-being. I first brought this matter to your institution 's attention, and since then, I have made several diligent attempts to have it resolved. Regrettably, my efforts have not led to any meaningful resolution. 

I initially submitted a request to correct these late open accounts, providing all the required documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these late open accounts are indeed erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences these late open accounts have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open accounts and, if found to be erroneous, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of these inaccuracies and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open accounts : XXXXXXXX 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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
First, my credit score has always been above 800 until recently. 

I opened a XXXX XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card. 

On XX/XX/2023 I received a letter from XXXX notifying me that I had a delinquent account that was past due and interest and other charges had been assessed. 

I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. XXXX 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company. 

The credit card number ends in XXXX with XXXX XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails. 

I also sent a letter to Trans Union regarding the same on XX/XX/2023 and notifying them I have dispute XXXX 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 2023-10-11
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2023 XXXX XXXX send {$75.00} using CashApp from his account to my CashApp account which was under XXXX. ( XXXX ID # XXXX ) He confirmed that the funds were moved from his account after completing the transaction. On XX/XX/2023 at XXXXXXXX XXXX PDT I received an email from cash app stating I received payment. 

On XX/XX/2023 I logged into my CashApp account using the email XXXX. However, when I went through the account transaction history, there were no payments made to my account. 

Since then, I reached out to CashApp support several times and each time they say they do not see the transaction even though I provided transaction ID number and all relevant information. They said I'm not logged into the account which the money was sent to, and they keep sending me instructions on how to log in. I followed their instructions several times and logged again using the email XXXX and I get the same results every time. 

I asked XXXX to submit a refund and I received an email that he requested the refund. However, since I cant see the transaction when I log in I cant approve the refund. He reached out to CashApp support and they said I am the only one that can approve the refund. 

Essentially, they took XXXX 's money put wont give me access to it for whatever reason and I dont think that is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MD
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 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 2022-09-11
Company: EQUIFAX, INC.
State: UT
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Old Navy visa Credit card company did not give sufficient turn around time from when Bill received to when it could be paid via mail. Resulting in unnecessary interest and fees charged. Bills are sent with only 2 weeks notice before due date and fees applied. Due to mail delays on both sides, was no efficient time for anyone to stop fees from being accrued- therefore is a scam. Although this consumer called and advocated for fees to be removed - not every consumer has the skills to fight or be aware of this fraudulent practice. The company needs to at least be required to have Bill arrive at customers address at least 30 days before due date in order to give customer ample time to respond without fee accrual.

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 2023-09-22
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.

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 2021-09-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed for Bankruptcy on XX/XX/2012, Bankruptcy number is # XXXX. This chapter was dismissed by total discharge in Bankruptcy court, however it's still reflecting on my XXXX and Experian credit report. This item need to be deleted due to reporting incorrectly and removed permanently, and a new credit report and score should be issued reflecting this item was 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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my rights have been violated, i sent in a request about what i saw on my consumer report and adv them to correct and provided the laws violated because this is not fair and right. They failed to respond fair and correct. now im reporting it this. i sent certified mail, here is a tracking number XXXX and i have the receipts. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : i did not use in manner which is fair and equitable to the consumer in reporting negative allegations without written permission. a consumer reporting agency can not furnish an account without my written instructions. 

According to : 15 U.S.C. 1681s-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. 

Remember, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

please audit these companies and correct my report as this is harming my chahracter.

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 2021-03-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent in letters disputing inaccurate information on my credit reports regarding late payments, charge-offs, collections and inquiries. On XX/XX/2021 I sent in another set of certified letters to the bureaus but it has been 70 days and I have yet to receive a response from them. These accounts are false and misleading which has caused me to have XXXX XXXX XXXX XXXX!! They are purposely delaying their response and they don't care about my situation! I need help and they are in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TrueAccord Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/, I was informed by my brother that despite havent no association to this supposed debt, has been harassed and even had his XXXX score negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I recently reviewed a copy of my credit report and noticed that my personal information is incorrect and needs to be updated as soon as possible. The Fair Credit Reporting Act states that all information listed on a consumer 's credit report must be accurate and complete. 

My legal name is XXXX XXXX, this is the only name that should be listed on my credit file. Any other listings that have been placed on my credit file please remove as soon as possible, correct and update my name. 

My employee is XXXX XXXX XXXX, please remove any other listings you have placed on my credit file. Please update my employment history as well. 

Please delete the address XXXX XXXX XXXX XXXX, Georgia XXXX. This address is incorrect. My correct address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Please promptly remove and update my correct historical data. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-06-08
Company: Affiliate Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 Affiliate Asset Solutions LLC reached out to me via mail and also by cell phone constantly at inconvenient times of day. I dont even want to answer my phone because they harass you. I didnt agree to sell my information to this company and each call I a willful attempt to disregard my rights as a consumer. No validation was provided as per my request and there for that is another violation. 

I have a piece of mail as proof. I highlighted Exhibit A which is 15 USC 1692 B ( 5 ) and the clear violation according to 18 USC 1342. 

I have a for your records a photocopy I will attach for you to review. As well as call records that clearly display consumer harassment and the agency calling at irregular and inconvenient times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I Spoke with company representative they could not send me nothing but a copy of a bill. They do not have documents supporting that my identity was verified I am not familiar with the debts.

Company response to consumer: Closed with explanation