BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
after sending disupute letters to each bureau, certified mail XX/XX/2022. I waited for a response of the investigation and i have still yet to receive anything from either bureau. 

i take my credit very seriously and the number of violations and inaccurasies on my report is costing so much more money and im preparing for legal action to seek damages from failure to comply with FCRA laws due to blatant disregard for following the laws in place.

under 15 usc 1681 e b- accuracy of a report, it is the CRA to report 100 % maximum possible accurate information on a consumer, so these accounts are in violation of that law and need to be deleted from my credit report immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts are either or all closed, the dates reported dont match along with the remarks made from each bureau causing me to have all different credit scores. They are held responsible for reporting accurate info and they failed to do so causing inaccurate reports which is law violation and a reason why I can seek damages for this inconnviennce.

under 15 1602 p- unauthorized use of my information, i have never given any written consent for any of this plus these inquiries to be reported to my credit report, ive called and asked the creditors to send me the document showing my hand written signature they couldnt do it, so this is fraud and no consent is fraud so i also demand these items to be removed immediately : 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 all of this is what I stated in my dispute letters, I dont beleive in threatening a law suit but this is just a XXXXXXXX XXXX job of them not properly doing an investigation and upholding the fcra/fdcpa laws and im ready pursue legally at the maximum extent.

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 2022-08-03
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-03
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2022-12-30
Company: EQUIFAX, INC.
State: OH
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 : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Co ) : Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ) : Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : Account # XXXX, XXXX XXXX ( Original Creditor : XXXX T XXXX XXXX ) : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, CAPITAL XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # 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 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 seven 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CL Holdings LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of Jefferson Capital. I disputed this recent debt earlier this month and it was n't removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: SFS, Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX I contacted XXXX XXXX XXXX for XXXX loan. I had not realized the interest rate was over 300 %. Now in XX/XX/XXXX I have looked back over the five loans I have taken out and the service fees have been much higher than what was explained to me by the representative over the phone. For example, the loan disbursed in XX/XX/XXXX for {$500.00} had and immediate {$150.00} service fee added on to it before I even made a payment. 
Here is a list of loans to date amount borrowed and amount I paid back to pay in full. 
After first loan was paid in full I received weekly emails telling me I was approved for more money and to contact them. I added their email to my spam folder in XXXX and did not hear from them again. Due to full disclosure I did initiate the future loans through a phone call but was never told the high interest or amount I would b paying back. Due to the fact that I live in Pennsylvania ( I saw article online stating these companies can not operate in this state ) I would like the final payment of {$550.00} waived from paying this creditor. I have paid them a total of {$700.00} back on a {$500.00} loan to date. 

XX/XX/XXXX borrowed {$150.00} on XX/XX/XXXX paid off for total of {$220.00} XX/XX/XXXX borrowed {$300.00} on XX/XX/XXXX paid off in total {$450.00} XX/XX/XXXX borrowed {$500.00} on XX/XX/XXXX paid off {$800.00} XX/XX/XXXX borrowed {$800.00} on XX/XX/XXXX XXXX paid back {$1600.00} XX/XX/XXXX borrowed {$500.00} as XX/XX/XXXX still owe XXXX paid back {$700.00}, in conclusion, I would like one click cash investigated. The payment they attempted to pull from my bank on XX/XX/XXXX was flagged by my credit union due to it trying to pull from as account overseas. I called my back to release the payment. 
The reason for the concern is we found an article online about a settlement in XX/XX/XXXX about this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I begin the debt snowball technique to repay a handful past due creditors, because I overextended myself financially. Chase bank is one of nine creditors that I have personally committed to repaying. Chase bank and another creditor are the last two credit cards left. Chase Bank received payments before I was served a summons by XXXX XXXX XXXX. I was surprised to receive a lawsuit in the mail. 

I rendered payments to Chase bank to satisfy my debt. In the midst of a series of payments to Chase Bank. XXXX XXXX XXXX, a debt collector, served lawsuit paperwork on or about XX/XX/XXXX for {$7600.00}. In a complaint filed with CFBP on XX/XX/XXXX XXXX XXXX XXXX acknowledged that I sent payments for the debt. I mailed a letter to XXXX XXXX XXXX dated XX/XX/XXXX disputing the debt with them and asked them to refrain from contacting me. In response to my letter to XXXX XXXX XXXX- a debt collector, Chase Bank mails a letter confirming the amount owed as {$7400.00} on XX/XX/XXXX. 

Nevertheless, XXXX XXXX XXXX, a debt collector, has continued to pursue the lawsuit for the misrepresented amount of {$7600.00} after I disputed the debt in a timely manner and has made no attempts to update the misrepresentation with the court. My attorney has also informed XXXX XXXX XXXX, a debt collector, of the misrepresented amount. Each time XXXX XXXX XXXX, a debt collector, appeared in court, I informed the judge that I was being harassed by unfair debt collection practices. In court I acknowledged to the judge that I owe Chase bank and intend to pay, however ; the amount of {$7600.00} is a misrepresentation of the amount owed. If XXXX XXXX XXXX, a debt collector, is representing Chase Bank, it is their responsibility to validate the debt with the dates and amounts of payments according to the law. 

This situation has caused a tremendous amount of stress and sleepless night. Additionally, this could possibly jeopardize my ability to become a XXXX XXXX XXXX. The XXXX XXXX disapproves of bankruptcies which I am considering yet have never filed for bankruptcy. This is not an oversight or a clerical error. It is blatant alleged harassment. 

I request {$480000.00} in damages of {$1000.00} for each occurrence of XXXX XXXX XXXX, a debt collector violating the Fair Debt Collection Practices Act by filing a lawsuit, serving a summons, failing to update the misrepresented lawsuit or dismissing the misrepresented lawsuit to the court. 

The dates and actions are as follows : Notice Filed ( 1 day ) XX/XX/XXXX Summons Filed ( 1 day ) XX/XX/XXXX Summons Service ( 1 day ) XX/XX/XXXX Court Appearance ( 3 days ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Failure to Correct Misrepresentation ( 475 days ) XX/XX/XXXX thru XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: MOHELA
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:
Some one did fraud in my name and they agreed to remove with a forgery affidavit but they claim they i did not send my claim in time. that is non sense cause it was certified mail. Can you guys please enforce them remove that fraud information from my file. It is also affecting my changes of getting credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: AL
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 asked the credit bureaus to do a thorough investigation on my XXXX, XXXX XXXX and Equifax credit report. They said they did a thorough research on the accounts. They never provided proof after I asked and requested them too and proceeded to keep the accounts on my credit profile without proper investigation and proof of original signatures and contracts. I found discrepancies and inaccuracies on the accounts and asked them to be removed them and they refused. 
Below are the following accounts in question. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every single week US Bank puts a freeze on my account. I receive {$300.00} each week for unemployment. The money is withdrawn onto my XXXX every week and yet some how they decide that there is fraudulent activity on my account and instead of contacting me to inquire about this they just put a block on my account without me knowing about it until I go to use my card the day I get paid!! Therefore Often times they make me wait two or three more days while they " verify '' my identity. I have incurred so many late fees from my Landlord which are {$100.00} each month and my credit Score has dramatically decreased in the last 6 months because my bills are frequently late due to the fact that financially things are very restricted and payment due dates are often within a day or two of when I get paid and I am not allowed access to " my '' money. In my opinion NO ONE SHOULD HAVE THE RIGHT TO WITHHOLD MONEY THAT IS RIGHTFULLY MINE AND IN THE PROCESS CAUSE MY FAMILY TO GO WITHOUT BASIC ESSENTIALS! THIS IS CRIMINAL. TO THIS DAY I HAVE NOT ONCE HAD ANY FRAUDULENT ACTIVITY ON MY ACCOUNT. DOES THIS MAKE SENSE TO ANYONE?? THIS IS THE TYPE OF XXXX THAT CAUSES A PERSON TO 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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Just received my credit report, and noticed un-authorized items on my credit profile.

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 2022-08-03
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Cash App has opened multiple fraudulent cards in my name. They have closed the first account that was fraudulently opened, however they continue to open new fraudulent cards in my name. In my previous communications I have indicated I am not interested nor do I want to do business with them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: FISERV INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My Money Network card by XXXX was stolen during the time i was moving from XXXX house to another, & over {$1000.00} in unauthorized transactions was made with my card. I contacted support and reported my card stolen and started a dispute on all transactions that were unauthorized & not made by me. Money Network denied my dispute, and i have tried contacting numerous times to file an appeal and they will not respond. I have never heard of these places let alone authorized purchases. Here are all unauthorized transactions dates, times, and place : 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 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 None of these transactions were made by or authorized by me. Any help in getting my money to me would be greatly appreciated. Im a XXXX XXXX and i work full time and im attending XXXXXXXX XXXX full time. Money network not cancelling this card when i reported it stolen and allowed a card i reported stolen to be used continously over & over is unacceptable and theyre not doing anything to take responsibility and return my funds. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: DE
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:
When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.

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: 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 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 filing a legal complaint against you!

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 2022-12-30
Company: EQUIFAX, 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Equifax and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 in the morning I checked my checking account. I saw XXXX transactions that I did not approve of. There was a phone number attached to XXXX transaction so I called the number and asked the person why were they taking this money from my account. They said sorry we didn't mean to do it I will back it out. Then the US bank called me and asked if I aproved of these transactions and I said no. When I was speaking with the bank the person put in another transaction and since it was pending the bank was able to stop it. I asked if they would give me my money back on the other XXXX and they said I had to go to my bank to do it. I did several times then I got XXXX letters from the bank stating that " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. 
Why would they call me to ask me if the transaction was ok and I say no and they stopped the XXXX but they didn't give me my money back on the other 3? Claim numbers are XXXX for {$980.00}, XXXX for {$1900.00} and XXXX for {$500.00}. I don't understand why I can't get my money back when I told them when the back call to find out if I aproved these transaction I told them no I didn't

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