BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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:
This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} 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 2023-07-14
Company: Convergent Resources, 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 seen this account on my report i disputed it i sent all the requiring documents proof of address and police 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 2023-02-22
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: Account status incorrect

Complaint:
I am writing to dispute the derogatory mark on my consumer report that indicates I was late on payments to XXXX XXXX XXXX account # XXXX. I want to stress that I have always made payments on time and have never been late. I have attached copy of my consumer report from Experian and payment records to this statement 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 explanation
Consumer complaint received 2023-02-22
Company: United Shore Financial Services, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage and XXXX XXXX XXXX refinanced our mortgage in XXXX of XXXX. On XX/XX/XXXX I went online to pay my mortgage as I have done every month since the refinance. I noticed that my account stated that I must pay {$10000.00} by XX/XX/XXXX or else my mortgage payment would double for the next XXXX  months. 

After contacting UWM I found that my escrow account had been in arrears and this was the reason for the need to pay {$10000.00}, none of which would go toward my principle. It happened that we had received an insurance payout from the loss of my mother no more than XXXX days prior or I would not have been able to make any payment. I was not able to pay the entire amount so I paid {$5000.00} and said that I would most likely be able to pay the rest by XXXX. At that time I was told that even after paying the XXXX, my monthly mortgage payment was increasing from {$1300.00} per month to a whopping {$1800.00} for the next XXXX  months and that a reassessment would be done in XXXX of XXXX. After making this payment my account on the website was showing that my next monthly payment was not due until XXXX of XXXX. 

On XX/XX/XXXX I called UWM again to pay the remaining {$5000.00}. At that time I was told that I actually owed {$5700.00}, and that I would need to make a payment of {$1800.00} in booth XXXX and XXXX, and every month thereafter. 

While my property taxes did go up, they only went up by {$2000.00}. Bottom line is that the title company grossly underestimated my escrow payment, without the tax increase. And the bigger problem is that UWM never notified me at any time until my phone call on XX/XX/XXXX that my escrow account was low or empty. I was told that I had opted for digital communication and that was the reason. Last time I checked email was digital communication. I have received at least XXXX emails from them since, but none since XX/XX/XXXX when I set up my online account and received a confirmation email. 

This error is unconscionable and would cause a majority of homeowners into foreclosure. There needs to be some repercussion for the title company 's careless calculation of escrow and UWM 's negligence through failure to notify me of the escrow deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: OH
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 looking over my credit report and seen that theres some unauthorized accounts on my report that i am unaware about and I would like them to be removed as soon as possible, according to the FCRA these unverified and unauthorized items must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6400.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: PA
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:
On XX/XX/XXXX, I signed up for a XXXX monthly membership plan for {$32.00} but was charged for an annual membership of {$470.00} via several unauthorized debits to my account. On XX/XX/XXXX, I called XXXX and informed them of their error. At which point, XXXX advised me they would not refund the unauthorized transactions. Im attaching a screenshot of the only authorized transaction on XXXX. 

XX/XX/XXXX : 1. I contacted Wells Fargo to dispute the unauthorized charges. 
2. Requested provisional credit/ Rep advised charges are in a pending status. Once charges post to the account I will receive the credit. 

***Credit never received XX/XX/XXXX : 1. I was told by a representative they dont have the right to dispute because I gave XXXX my debit card number for the initial transaction. 
2. Requested to speak to a supervisor, to date, Im still waiting to her from someone.

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 2022-11-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was advised by XXXX that Cashapp had a glitch where they were charging the customers twice for XXXX and XXXX transactions. I was advised to call Cashapp support. When trying to dispute through Cashapp 's XXXX the second transaction does not show. I have text notifications that show the second transaction being deducted. In XXXX, I received a message from cashapp support stating they are aware duplicate charges and that they were being handled, XXXX days later they send an email saying that the issue was resolved. Consumers would see a refund in XXXX hours. This never happened for me. 
The first duplicate transaction occurred on XX/XX/2023 for XXXX the original transaction was on XX/XX/2023. The XXXX, XXXX, and XXXX transactions happened on XX/XX/XXXX for the amounts of XXXX ( original transaction on XX/XX/2023 ), XXXX ( original transaction on XX/XX/2023 ), XXXX ( original transaction XX/XX/2023 ). The XXXX and XXXX duplicate transactions occurred on XX/XX/2023 for the amounts of XXXX ( original transaction XX/XX/2023 ) and XXXX ( original transaction XX/XX/2023 ). On XX/XX/XXXX and XX/XX/XXXX of 2023 I filed Disputes twice by phone support and in both XXXX CashApp replied with incorrect information. I called cashapp and everytime I spoke to someone I received a different story. I received several automatic replies that stated my transactions were pending and too old to dispute. I called and was told I had transaction pending for almost 3 months and it could not be disputed until cleared by XXXX. By the way, there is a dispute already open for the same transaction of XXXX that she said was still pending. Cashapp practices are very misleading and difficult to discourage consumers from complaining. I was not informed of their glitch until 60 days after it happened by Cashapp. Instead of fixing their mistakes automatically they are making the consumers call in and give them the run around about getting their money credited back. I have several cases open where they replied with different information than what was given. Please have them pull my recorded calls and compare them with the email replies they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2022-12-27
Company: Experian Information Solutions Inc.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-20
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2023 I received a bill from Radius Global Solutions LLC, a collection company. In that letter it stated that if the amount of XXXX was paid ( a bill I had no knowledge of or had been previously contacted ) by XX/XX/2023 that no further action would be taken. My daughter immediately paid the bill, ( not having any idea what it was for ) It stated that if funds were received by XX/XX/2023 that no further action would be taken. On XX/XX/2023 letter was then written by XXXX XXXX  ( I never received that letter either ) that no further action would be taken. I then discover it had been reported to the credit bureaus XXXX and XXXX contrary to what the collection notice said.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
On XX/XX/2022 I spoke over the phone to Customer Service Supervisor ID : XXXX at XXXX AM call ending at XXXX AM from overseas with a cost of {$0.00} p/m in regard to an alert received on my Credit Report stablishing that there was a late payment reported in the card # XXXX even though previously another customer service representative called me saying that I was late on my payment and later she agreed that there was nothing to worry about because I told her that my account was in autopayment and she agreed to it, she apologizes for the inconvenience. Customer Service XXXX, ID : XXXX after checking the system found that it was showing late payment due to a conversion occurred in their system on XX/XX/2022 among others previously which did not change my automatic payment status, this person advised me to wright a letter to reverse or correct this information to the Credit Bureaus and to request a refund for the late fee charged back on XX/XX/2022. 
Please be advised that when their mistakenly reported this late payment to the Credit Bureaus my score drop over XXXX points approximately depending on the bureaus which is causing me to wait for you correction to keep doing business. 
Later I sent XXXX letters to the the department in charge to correct this errors and they replyed back to me saying that they are right causing me a halt in the process of using my credit, XXXX credit card cancel cancel on my for this fico drop.

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 2022-11-12
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: Their investigation did not fix an error on your report

Complaint:
Ive disputed several times for XXXX collections to be removed from my Equifax credit report because the collections were removed from my XXXX XXXX XXXX account already. XXXX # XXXX amount was {$120.00}. XXXX # XXXX amount was {$210.00}. XXXX # XXXX amount was {$73.00}. I cant remember exact dispute dates, but I remember making XXXX dispute in XXXX of XXXX and it took over XXXX days for the investigation to be completed. After that was another dispute XX/XX/2022 and my wishes still werent granted even after I told them the collections were removed from my other credit bureaus credit reports months before.

Company response to consumer: Closed with explanation