BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: Block, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had 2 charges on my cash app card and both merchants I received no service from of product from XXXX requested to cancel both transaction to the merchant and o had forwarded that to cash app but cash app referring it as a unauthorized I never said it was unauthorized I said I never received order or service from both merchant and cash doesnt have the evidence to support their denial of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}

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 non-monetary relief
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Sherloq Group, 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: Billing dispute for services

Complaint:
This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.

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 2022-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XXXX XXXX XXXX NA XX/XX/2022

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 2022-08-30
Company: EQUIFAX, INC.
State: NY
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 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. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX, XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I spent 4 1/2 hours at Best buy buying t.v., speakers, phone accessories etc., I was physically and mentally exhausted and at check out the young clerk asked if I had a Best buy credit card. I said no, he said I could get 10 % cash back. There was a sign with a big 10 % on it at the check out and with the amount I was spending, that would be a sizable rebate. 40 to 60 minutes later, I still had n't seen any information on the credit card ( they were having computer problems and even an area supervisor was involved ), I am XXXX XXXX XXXX and 5 to 6 hours was taking it 's toll. If they had given me the credit card pamphlet, it would n't have gone this far. I would have said no deal. I have never had a credit card that charges an annual fee, NEVER. I had the money to pay by myself, the first time I even touched the pamphlet was when they finally got a pc working ( 4th one ) and the young clerk said to read the numbers and letters for the code for my 10 % to the person on the phone. All this and I had to return the next day for my t.v., as it was not in stock. That day the '' helpful '' clerk avoided me like I had the plague. I had n't yet looked at the credit card pamphlet, I needed assistance with the speakers he sold me and some additional parts. He wanted NOTHING to do with me. Within two weeks, I had returned almost everything and I told the returns clerk to payoff and close that Best buy credit card. Having no confidence in them I checked with Citibank who handles the Best buy card and no, nothing had been applied to that card. I checked with my bank and all monies had been applied to my card with them ( I had to use my card along with Bestbuy 's to cover the purchase ). I called Citibank again, told them to cancel card ( Bestbuy did n't apply money to or close the account ), woman on phone wanted to know why ... I told her I have never had an annual fee credit card, or one that charges 27 % -29 % apr ; she wanted to try to lower annual fee, I said no I will never pay a credit card annual fee. I paid off the amount I had put on the best buy card and she said that 's it, it 's closed. Now I am receiving a bill for the {$60.00} annual fee ( minus a {$6.00} return or whatever ) but with an additional {$27.00} late fee! Now another {$27.00} is about to be added as my health has kept me from mentally/physically being up to pursuing this issue. Where is my 10 %??? They could have cleared the board, by applying that to card balance. Remember I did n't have the card a month. Finally read the ultra fine print, not cash back like clerk said, but Best buy rewards. I am never going back to best buy except if t.v. needs repair, as the returns clerk did n't know how to cancel/refund for extended warranty. Duh, ask someone! And yes, t.v. has problems.

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 monetary relief
Consumer complaint received 2022-08-30
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/XXXX I signed up with Block Inc. dba Square so I could take card payments for my business goods and services. Ever since my first transaction, Square has claimed there was a problem with it and I would need to refund it to my client. Even though there was nothing wrong with it even to this day, they still claim I need to refund this transaction to my client, even though I've already delivered goods and would essentially be taking a direct loss to my business if I did such an idiotic refund. They subsequently put a hold on my account and kept all of my processed card transactions until I issued the refund. In XXXX I had gross sales totaling {$26000.00}. For facilitating these transactions, I paid Square {$940.00}, leaving {$25000.00} in my Square account, owed to me. On XXXX I was informed my account would be closed and that any " outstanding Square balance will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' I was again given the false choice of refunding my very first transaction if I didn't want to wait for my funds to be disbursed, or waiting an indefinite period for my funds. I tried contacting my client about issuing such a refund and taking their payment again, but received no response. I have inquired with my client several times over the last 4 months. During these past 4 months, Square has also allowed a dishonest customer to file false claims against me. Even though I provided transaction receipts, proof of delivery, and client communication, among other things, Square has allowed over {$5000.00} to be stolen from me. My Square account now has {$20000.00} in it. 

Since the initial minimum of 90 days has passed, in fact closer to 120 days now ( and still no dispute nor chargeback nor any problem whatsoever with my first transaction that Square claims I must refund ), I've inquired with Square as to when I will be getting the remainder of my money they continue to hold. Instead of being told anything useful, I am told the most infuriating of things that, starting from XX/XX/XXXX, my outstanding balance " will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' So now I am being told that I can't have my funds for another minimum of 90 days, which, if you add to the 120 days that have already passed, means Square has chosen to hold my funds for a minimum of 210 days. But that's not all, they claim they can hold it up to 180 more days, or longer if " circumstances require '' which I suppose can be any reason they come up with. Essentially they are saying they can hold my money forever, turning them into de facto thieves and criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX is showing a 10-year-old debt under XXXX that I do not have. I tried to file a dispute with XXXX but as soon as I hit enter on their form the dispute form submission request was rejected because there is no account number, it does not exist on their records nor can I enter a complaint number which they will not issue to me without filing the complaint form. However, within one second I received a harassing phone call from ERC asking me to verify my address and other personal information. I want XXXX & ERC or whoever they are to remove that debt from my personal records without having to pay them the monthly subscription to their services that they want from me to be able to review their bogus records. Who are they and why are they allowed to conduct these kinds of businesses? Why are they allowed to make money by harassing people without proof of debt? Please advise ... Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im writing this letter to inform your department that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/2013 Balance : {$2900.00}

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 non-monetary relief
Consumer complaint received 2017-04-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was 3 months XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is the third time this have happen and I need it to stop. 

I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First Middle & Last Name XXXX. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. 

Delete any and all other phone numbers listed. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section Thanks in Advance

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 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX   acting as a debt collector on behalf of XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.

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 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry    XXXX   XXXX   XXXX     XXXX   Inquiry    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX   XXXX   Inquiry     XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my  credit score  to suffer.

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