BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied online for the Citi credit card and entered info for {$6000.00} balance transfer from my XXXX card so 0 % intro apr would apply. I was approved with {$9100.00} credit limit and transfer was approved with a fee of {$180.00}. I received my card, called to activate it then inquired about the balance transfer. I was unable to get info and told they couldn't verify my identity. My new card was placed in fraud status. I made 6 additional calls to resolve it and was told the same thing, they couldn't verify me. I provided passwords to account and because I didn't have an alternate landline #, they couldn't help. I am worried my XXXX card is compromised because I gave them all my info for a balance transfer. I requested the citi account be closed because it felt like a scam and was told they can't close it because it is in fraud status. I activated it this morning and didn't attempt to purchase anything with it!

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 2022-08-23
Company: ACIMA CREDIT, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, Acima Credit, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding Acima Credit, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : 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 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: 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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : 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 explanation
Consumer complaint received 2022-12-13
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted to XXXX 3 occasions since XX/XX/XXXX and they stated DEPARTMENT OF EDUCATION WILL NOT GIVEN decision on approval of my payments under limited waiver from XXXX to XXXX despite approved as a non-profit organization ( MY LOANS WERE NOT CONSOLIDATED AT THIS TIME and I did not make full payments but tried ). 

I requested under limitd waiver these dates count from XXXX to XXXX as limited waiver CARES ACT approved attempted payments even if not consolidated. 

I made a complaint XX/XX/XXXX ( XXXX ID ) and was told DEPT OF EDUCATION has not decided since XX/XX/XXXX. TWO YEARS AGO!!!. 

I have requested MOHELA to contact DEPT of education regarding this as XXXX transferred my loan to Mohela. MOHELA will not respond and asks to call them. I requested responses in writing as chronic documentation as XXXX consistently did not honor verbal conversations. MOHELA has not processed any documents since XX/XX/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 2022-08-02
Company: Experian Information Solutions Inc.
State: VA
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 XXXX attempt 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 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 2022-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report were unknown to me when I reviewed it. I sent a letter to Credit Bureaus on XX/XX/2022 to remove 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 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  that were UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items or information not later than XXXX business days after the reciept .Ive already included this in my previous Complaint # XXXX XXXX, XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: IL
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 the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

US DEPT ED XXXX ; XXXX XXXX ; XXXX   XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; XXXX XXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX XXXX ; US DEPT ED XXXX ; XXXX XXXX XXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX   XXXX ; NAVIENT XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 05 XXXX   XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX ) XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX XXXX ; XXXXXXXX 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidential information under 15 USC 1681. 

XXXX XXXX XXXXE-Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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 resonable cause to believe that the information is inaccurate.

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 2022-08-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting act XXXX 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 : 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 2022-09-29
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On Monday, XX/XX/XXXX, I drove over XXXX miles to lease a vehicle from XXXX XXXX dealership in XXXX, XXXX. Upon arrival, I was advised there a was fraud block on my Experian account. I immediately attempted to log into their website to resolve the issue, with no success. I next tried the phone number on the website, as well as several others. The phones were all answered by a automated calling system. When I requested numerous times to speak to a customer service rep, the answer was always that no one was available. ( this was during normal business hours on a Monday morning ). The phone that went on to say to log into a website, which resulted in getting a form to print out and mail in. 

I was unable to proceed with the lease, which required 8 hours of driving plus gas expenses. I have subsequently mailed in the form addressing the issue. 
The fact that there is no way to reach a real person to resolve this type of issue is totally unacceptable. I give them a XXXX score for an incredibly poor way to run a business that impacts consumers,

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 2021-01-17
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing the amount on my statement dated XXXX because the credits that i received from XXXX were added back to my account as purchases.The first time that this happened was in XXXX. The amount was {$10.00}, not only was it added back it was done twice. I called Discover on XXXX XXXX and spoke to XXXX. She told me that there are times when they mistake a credit for a purchase. I stated that it was added twice, she had no answer for this. 

The second time it happened was XXXX, XXXXI received a credit from XXXX in the amount of {$45.00} and it was added back as a purchase. I called Discover and spoke to XXXX an Account Manager. He was very offensive, and refused to listen to what is right there for naked eye to see. I have copies of the emails sent to me from XXXX confirming the credits. I tried to add them as an attachment but was unsuccessful. I will be glad to send them if you so request. 
Thank you my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : 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 2022-09-29
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been a victim of Identity Theft for about the last two years. I have received many Debit cards from various mobile payment companies. Cash app is one of those companies where I have received a debit card on three separate occasions. Most recently, I received one and attempted to contact Cash App directly. Due to the limitations of their customer service team, a dispute needs to be raised thru the app itself. Since I DO NOT have a cash app account, my husband raised the issue thru the app and informed Cash App customer service of the fraud I am facing. We have the physical debit card in our possession. 

Cash app refused to open a case or take the identity theft claim seriously. Instead, they stated that due to privacy, they can not initiate the claim from my husband and has to be from the account holder. THE ACCOUNT HOLDER IS THE FRAUDSTER- I do not have a cash app account. They refused to allow my husband ( or me indirectly ) to validate information or provide the debit card number to have it closed due to fraud. Instead, they stated that I ( THE VICTIM ) must create a cash app account in order to dispute this other fraudulent account - that makes zero sense. 

Additionally, the last time I received two other cash app debit cards, I asked them to safeguard my information to ensure no future accounts could be opened. They obviously did not do that. 

I am beyond frustrated and completely dissatisfied with Cash apps handling of this situation. My current situation remains unresolved and a fraudulent debit visa card remains open in my name. 

Cash app should immediately close all accounts in my name and cancel the debit card before there is any financial loss I may incur.

Company response to consumer: Closed with explanation