BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN 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 these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} 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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. I want the Credit Bureaus to fixed this account nor be corrected right away : XXXX XXXX XXXX Balance : {$370.00}.

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 2023-08-26
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A charge off is a Certificate of indebtedness which means it is income it must be removed from my credit report. Mas Financial is in violation of privacy act 1974, I didnt give Mas Financial Consent to report my personal information I also dont remember doing any business with this company, do to Mas Financial violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and XXXX other fraud has been committed under my name. Please show me where I gave Mas Financial the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIBANK, N.A.
State: LA
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:
In regarding the identity theft from XXXX XXXX and her partner as named by the XXXX Police Department, I have additional information to add. 

Please remove the following hard inquiries : CBNA - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and CBNA - 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 2023-11-08
Company: Chime Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
{$100.00} dollars was sent to send wave for remittance to my account, the money was delivered on XX/XX/XXXX to my XXXX account in XXXX, but again today XX/XX/XXXX the local bank that Sendwave used for the transaction ( XXXX XXXX ) recalled back the money from my XXXX account without explanation. 
So now the money is not paid into my account. 

{$100.00} Sent XXXX XXXX XXXX  Through Sendwave company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 have hard inquiries on my credit profile that need to be deleted/ removed from my credit report asap. All inquiries will be in my ftc report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2023, XX/XX/2023, and XX/XX/2023. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EXPERIAN failed to enter the notice of dispute for the account XXXX XXXX XXXX. Congress states this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
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:
I submitted a letter to the XXXX Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
WHY HAS YOUR BUREAU NOT TAKEN IMMEDIATE AND DECISIVE ACTION TO REMOVE THE FRAUDULENT ACCOUNTS, ESPECIALLY WHEN OTHER CREDIT BUREAUS HAVE ACKNOWLEDGED THEIR FRAUDULENT NATURE AND REMOVED THEM? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN CLEARLY IDENTIFIED AS FRAUDULENT, DESPITE MULTIPLE DISPUTES AND SUPPORTING EVIDENCE? WHAT SPECIFIC MEASURES IS YOUR BUREAU TAKING TO RECTIFY THIS SITUATION, AND WHY HAS THE PROCESS BEEN SO EGREGIOUSLY DELAYED? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am appalled and infuriated by the utter lack of urgency and responsibility demonstrated by your bureau in addressing the fraudulent accounts on my credit report. 

XXXX XXXX -PLEASE DELETE!!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX-PLEASE DELETE!!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand the immediate removal of the fraudulent accounts from my credit report. Your lack of responsiveness and diligence in addressing this matter is not only unconscionable but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the timely correction of inaccurate information. Failure to take immediate action on this matter will compel me to explore all available legal avenues to rectify the damages caused by your bureau 's inexcusable negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Termination letter Dear Experian I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - [ ] 15 U.S.C 1691 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 an 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 2023-12-09
Company: Chime Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A friend asked for a Referral to use SendWave money transfer Service. I provided XXXX XXXX my phone number. He quickly registered and Sendwave sent the acknowledgement asking me to confirm. As soon as we confirmed two separate transactions immediately left my Sendwave account totaling XXXX on XXXX. 
I immediately logged into my Bank Account and froze the Debit card and contacted my bank. With long hold times, I immediately drove to the XXXX XXXX XXXX IL XXXX and spoke with an account manager. 
we did not get the money back but it has been confirmed the money left my account and pending with Sendwave at this time.

The only thing I know at this time is Sendwave stated there is no Guarantee they will be able to do anything to assist I opened up a Fraud Alert with my XXXX bank as this transaction was not authorized to the phillippines. I do not live nor Do I know anyone in the XXXX. 
I use the app. from time to time as I would send money to my family in XXXX. 

There is no security mechanisms and controls in place for apps - I learned never to use a debit card as this is next to impossible getting your money back in the event of a FRAUDULENT Scam. Especially from someone I knew back in Pennsylvania

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX Barclay 's Bank Delaware secured a judgment against my brother in Alabama, for unpaid unsecured credit card debt ( {$2600.00}, last reported to us as *now* {$2700.00} ). 

On XX/XX/XXXX, my brother died. 

From about XX/XX/XXXX, my family has tried to rectify this matter as it now seems to impact properties our XXXX XXXX  owns in full and independent of our deceased brother. 

Calls were made to Barclays and/or everyone to whom they directed us in XX/XX/XXXX, several times in XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These include calls to Barclays ( I assume collections agents ) XXXX XXXX ; XXXX, XXXX ID # XXXX, and others. 
Faxes were sent in XXXX several times in XXXX to provide ( identical ) information Barclays agents requested, and on XX/XX/XXXX, XX/XX/XXXX, and at least XXXX other unrecorded dates. Documents were also mailed. 

We were informed on a phone call that the account had been closed and cleared. We also received a letter from Barclays stating that the account had been closed after my brothers death. The title company states that a judgment against our brother 's estate remains. 

We have explained *in detail* the issues related to our mother 's properties, our understanding of the statute of limitations on Barclays ' effort to collect on this debt, and that our brother is dead. Barclays has resisted any corrective or productive communication, either in writing or on ( witnessed ) phone calls. Barclays has requested that the same document ( XXXX ) be submitted again and again, and then still taken no action. 

Barclays has sent no information and provided no guidance about how to get the judgment removed from XXXX XXXX XXXX solely ownedproperties. They have sent us in circles, from one department to another round and round and round.

Our contention is : 1 ) Barclays has no right to retrieve the debt based on the statute of limitations for collection.

2 ) Barclays has been intentionally uncooperative and unwilling to relieve even our XXXX  from an issue that is entirely unrelated to her.

3 ) Barclays has been intentionally and willfully uncooperative in relieving our deceased brother 's property from the property lien.

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 2023-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: IL
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: Didn't receive services that were advertised

Complaint:
My XXXXXXXX XXXX XXXX account is not accurately reporting payment history up to date I been a XXXX customer for over 15 years paying multiple lines out my bank accounts for a decade They refuse to use my long-history XXXX  account to boost my score

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 2022-11-22
Company: Experian Information Solutions Inc.
State: LA
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 sent a few letters to XXXX and also a few letters to the credit reporting agencies, XXXX, Experian and XXXX because they violate my fcra right even made a complaint againts the company, they don't even answer to the CFPB complaint.

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