BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My credit report contains the following address where I have never lived nor have I any accession. Somewhere in XXXX MD I could not cut and pate the exact address!

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 2022-08-24
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:
XXXX XXXX XXXX XXXX admitted that verification was not possible and this is attached. XXXX indicated that the debt was verified and it was not this is a violation of the FCRA. 

Please provided verifiable documentation of XXXX XXXX this has been over 30 days and must be deleted and it is clear that no investigation is going on at XXXX based on the above.

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 2022-09-30
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$420.00} # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$25.00} # XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXXLate/Closed Late Dates XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXLate/Closed Late Date 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 2022-10-23
Company: Financial Assistance Inc
State: NV
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:
no idea of any new company, i was sick with XXXX  for a year and a half and all these accounts pop up XXXX Updated XX/XX/2022 Current Balance {$360.00} Original Balance {$360.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX XXXX  Contact XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and 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 explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ 0-Late/Closed Late Dates XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates 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 2022-04-25
Company: Experian Information Solutions 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:
In accordance with the Fair credit report act XXXX XXXX XXXX account number 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-10-23
Company: Grow Credit Inc
State: NV
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:
NO KNOWLEDGE OF THIS ACCOUNT, WHO HAS A XXXX DOLLAR BILL THATS LATE FOR 4 MONTHS, MY IDENTITY HAS BEEN COMPROMISED WHILE I WAS SICK WITH XXXX FOR A YEA R

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
- My student loans were transferred from XXXX to FedLoan with an amount of {$29000.00} - See Loan Summary Document - XXXX for proof of amount transferred - On XX/XX/2022 I called FedLoan and requested a refund of the payments I made during the COVID-19 pandemic to the amount of {$6500.00} and received a transaction ID XXXX as confirmation - See Payment History XXXX XXXX XXXX  PDF for proof of payment amount. 
- FedLoan stated it would take " two weeks to two months '' to receive a refund. 
- I called FedLoan in XXXX to confirm everything was OK for the refund and was told it was. 
- In XXXX I noticed my loan amount had been adjusted to reflect I had received the refund and my loan increased from {$29000.00} to {$34000.00}, however, I had yet to get the refund - See FedLoan - Payment History to see the adjustment and amount increased. 
- I called FedLoan after I noticed this and mentioned how my loan total had increased to reflect a refund I had not received. I was told that refunds were taking up to four months and to wait. 
- On XX/XX/XXXX I was notified by FedLoan that my loans were being transferred to XXXX - See Loans Transferring XXXX. 
- I've reached out to a FedLoan representative multiple times in XXXX and XXXX. In my last phone call, the representative said that I should give it six months to receive a refund and that they can't help me anymore since they no longer own my loans. 
- At this point it's been the six months since I requested a refund. My loan total has increase to reflect I received a refund, however, I have yet to see the money. 
- I reached out to XXXX and they opened a case three weeks ago. However, I have been trying to contact them multiple times this week and whenever I select to speak with a representative the call is disconnected. I haven't been able to reach anyone for the past week, I'm not even placed on hold, the call just gets disconnected.

- Please help me figure out what is happening with this refund. It's been six months and my loans reflect that I received a refund, even though that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Amscot Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I bought a money order for XXXX usd on XXXX XX/XX/2022 I send it by usps on XXXX XX/XX/2022. but the certified letter is lost .and today is XX/XX/2022 .and still the USPS has not give me a reasonable answer, what happen with my letter the only know to say that it is in transit. 
So I went to AMSCOT ( central office ) to try to put an stop payment .but is imposible they inform me. You need to buy another money order for XXXX usd. i did it in XXXX XX/XX/2022 and I fill out a form to complete the process until here is ok. 
But the process take around 1 months and half to be ready. XXXX that time they do not take any action to stop the payment so i need to wait 1 month and half. to see what will happen with my money order.Is ridiculous .they only answer, '' you have to wait and be patient '' if al least the put a note, some information, that no to be paid it.as client i feel better but is imposible after many calls.their answer always are the same '' No because we have many cases only wait '', you need to wait ''. and the services by phone is horrible.

rude, Iam frustated as client. because i see i have not immediately solution. 
thank you for your help. and help to other peoples don't pass for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: SC
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:
As of XX/XX/2022 the credit reporting agency have still yet not rectify their wrongful actions of violating my rights. I am tired of going back and forth about these violations. Someone needs to help me resolve this issue. I have made several attempts and ask the credit reporting agency to furnish my written statement for them to place anything on my credit report. I asked to them to provide proof of the furnishers investigation and I am on edge that my employment is placed on my public records of my consumer report which is not okay being that 4 years ago I was a victim of XXXX  XXXX. I asked them to remove any information from my account that does not have my consent and for the most part nothing has change.

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 2020-08-18
Company: EQUIFAX, INC.
State: TN
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 's information being reported is delayed and inaccurate on myself. The other 2 reporting agencies are within 30 points of each other and equifax is more the 90 points off. When calling them to inform them their information is false, they changed subjects, offered no course of action to update personal information, and they take more than 60 days to update any information. I have been improving my credit reports for the past 60 days, and equifax keeps dropping my score. They have no current information on myself other than an address and delinquent accounts. Any positive information is not carrying any weight to change for improvement. 

Equifax should not be so far off it prevents any individual from receiving services from any organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and I seen some inquiries that I do not recognize from XXXX on the dates of XX/XX/21, XX/XX/21, XX/XX/21 I do not recognize these. Please investigate and provide me with the original copy with my original signature for all the dates to provide proof I do not recall these inquiries please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SECURITY CREDIT SERVICES Account number XXXX I have never opened an account with this company which was listed as XX/XX/2019 Please forward me a signed contract from Security Credit Service with my wet ink signature and XX/XX/2019 date on it This is a fradulent account whichI have never signed or witnessed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX : {$0.00} XXXX XXXXXXXXXXXX XXXX {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2022-10-23
Company: Financial Assistance Inc
State: NV
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:
NO IDEA, NO CONTRACT, IVE BEEN XXXX XXXX WITH XXXX FOR A YEAR AND AND A HALF, I DONT OWN THIS ACCOUNT NO REPLY FROM COMPANY Payment Status Collection/Chargeoff Last Updated XX/XX/2022 Current Balance {$270.00} Original Balance {$270.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to report this account How Does Everything Look? 
Lenders provide us your d

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
no idea of any new company, i was sick with XXXX for a year and a half and all these accounts pop up ast Updated XX/XX/2022 Current Balance {$360.00} Original Balance {$360.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Block, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter from the IRS in XXXX this year. It is a XXXX notice for tax year 2020. The letter states that a company called SQUARE , INC reported to the IRS that I made {$77000.00} income that year. Because of this I owe tax to the IRS in the amount of {$19000.00}. 

For the record, I have never worked at Square , Inc. Someone fraudulently used my social security number, DOB, and name. I contacted the IRS about it. I also asked XXXX XXXX XXXX to investigate this fraud. Square company told me they had my SSN, DOB and name, which are enough to prove my identity. I told them that with so many data breaches in recent years, this personal information is now an open secret, so anyone can get it on the dark web. I asked them to give evidence to prove that the person using my identity to make this income is truly me. Square company told me that they are not responsible for investigating this, that I need to find police to investigate this. 

Square company did not do a diligent background investigation when they hired people online. When someone used my identity to get hired at Square, it was Square that failed to stop fraud crime. Now Square continues to act irresponsibly toward victims of their negligence. 

Address of SQUARE , INC XXXX XXXX XXXX XXXX XXXX, CA XXXX tel : XXXX

Company response to consumer: Closed with explanation